Data-Driven Marketing

Merchant offers within banking apps, also known as card-linked offers (CLO), connects the worlds of retail and banking. They enable brands to communicate with customers naturally and in a trusted way. These are not intrusive banners or push ads, but added value inside an environment customers already rely on. The result is higher sales, stronger loyalty, and improved brand perception.

Loyalty programs have come a long way. Do you still remember the paper cards where you collected stamps for each purchase? Or the mass coupons in newspapers that anyone could use? These tools had one thing in common - they were broad and impersonal.

Banks and retailers now use transaction-level insight to make cross-selling both smarter and more human. Instead of generic “you might also like” suggestions, they can anticipate customer needs with near-perfect timing. Of course, both use it in a slightly different way.