Cardlytics

Leading purchase intelligence platform with exclusive access to banking transaction data through financial institution partnerships

Cardlytics is a publicly-traded purchase intelligence platform that operates a native advertising channel within digital banking environments. The company partners with financial institutions to access anonymized transaction data from millions of consumers, which it uses to deliver highly targeted advertising and marketing campaigns for brands. Through its platform, Cardlytics enables marketers to reach consumers at the point of purchase decision-making by serving relevant offers directly within banking apps and websites, creating a closed-loop measurement system that tracks campaign performance from impression to actual purchase. Cardlytics operates a two-sided marketplace connecting financial institutions (who gain additional revenue streams and customer engagement tools) with brands and marketers (who gain access to purchase-based audience targeting and measurement). The company's primary product, Cardlytics Platform, reaches over 170 million bank customers through partnerships with major financial institutions. Cardlytics has established itself as a leader in purchase-based marketing, differentiating from traditional digital advertising through its unique access to actual transaction data rather than behavioral proxies, enabling superior targeting precision and ROI measurement for advertisers.