How It Works

Cardlytics integrates with banking and non-banking (brands) platforms through a strategic partnership model that leverages the banks' and brands' existing digital infrastructure. Here's how the integration works:

At a Glance

Partnership with Financial and non-Financial Institutions: Cardlytics partners with major banks and financial institutions (FIs), such as Bank of America, Wells Fargo, and JPMorgan Chase, as well as with brands. These partnerships allow Cardlytics to access anonymized transaction data from millions of bank customers.
Data Integration: The transaction data from these banks and brands is integrated into Cardlytics' platform. This data is anonymized and attributed to unique user numbers, ensuring privacy and security. The integration allows Cardlytics to analyze spending patterns and deliver targeted advertisements based on actual purchase behavior.
Ad Placement in Banking Channels: Cardlytics' platform is embedded within the banks' online and mobile banking channels, or brands' online and mobile channels. This integration enables the display of personalized offers and rewards directly within the customer's banking interface or brand interfaces, such as transaction histories or mobile apps.
Secure Environment: The integration is designed to maintain the security of transactional information. Cardlytics' software operates behind the bank's or brands' firewall, ensuring that no personally identifiable information leaves the bank's or non-bank's premises.
Revenue Sharing Model: The partnership includes a revenue-sharing agreement where a portion of the advertising spend is shared between Cardlytics and the financial institution. Typically, this involves a split where each party receives a portion of the revenue generated from advertiser spend.

This integration model not only enhances consumer engagement by providing relevant offers but also helps banks and brands monetize their existing data and drive incremental spending through increased card usage.