Cardlytics, Inc.

Cardlytics operates a commerce media platform designed to make commerce smarter and rewarding. The core of its platform is a financial media network within partners' digital channels, including online and mobile applications, referred to as the Cardlytics platform. Additionally, the company operates an identity resolution platform, called the Bridg platform, which uses point-of-sale (POS) data, including product-level purchase data. This enables marketers to perform analytics, targeted loyalty marketing, and measure marketing impact. Partners for the Cardlytics platform are primarily financial institutions (FI partners) that provide access to anonymized purchase data and digital banking customers. For the Bridg platform, partners are predominantly merchants (merchant data partners) that provide access to their POS data, including product-level purchase data. By applying advanced analytics to this purchase data, Cardlytics helps marketers reach potential buyers at scale and measure the sales impact of their marketing spend. Cardlytics maintains relationships with marketers across various industries, including everyday spend, specialty retail, restaurant, travel, and entertainment. The company's data capabilities and access to customers through partner digital channels help solve fundamental problems for marketers. Marketers often lack insight into customer purchase behavior outside their own stores and websites, and the behavior of non-customers. The Cardlytics platform allows marketers to reach potential customers across its network of FI partners through their digital banking accounts, presenting relevant offers to save money.