Jennifer Ko, Jenny Quach, David Tamayo,　ShinichiroYamamoto

Card Linked OffersBig data in Financial Services

Outline• Big Data Relationship with Financial

Institutions• Card Linked Offers • Competitive Landscape• Company Comparison • Freemonee• Freemonee G2M Strategy• Conclusion

Big Data Value to Enterprise

What is Card Linked Offers ?

Card Linked Offers are shopping deals linked to the credit and debit cards consumers already have, use and value

Why Card Linked Offers ?

http://www.baypayforum.com/opinions/entry/card-linked-offer-clo-solutions-a-peek

Market Prospect

$115billion

467 million

Competitive Landscape

Card Linked Offers

Categorized by RelationshipBank to Consumer Contact Webpage to Consumer

ContactRetailer to Consumer

Contact

Bank to Consumer Notifications

• Offers based on transaction history of consumer• Offer notification sent from banks to

consumer

Competitors Comparison

Company Banks Merchants Cardholders

Cardlytics 400 4000 Potential: 220 million35 million cardholders

Cartera Commerce 200 2000 - 3000 Potential: 150 million65 million cardholders

Edo Interactive 200 1000 Potential: 200 million

FreeMonee 4 100 Potential: 40 million165,000 cardholders

Competitors Comparison

Company Merchant Interface Refund Time Offer Type

Cardlytics No End of month General offer based on category

Cartera Commerce Yes

A few weeks after

transactionGeneral offer based on

category

Edo Interactive No, but charges only profitable campaigns Immediate Merchant determined

offer

FreeMonee No 2 - 3 Business days

Personalized off based on spending habits

FreeMonee

• Better technology, more customized offers• Gift Underwriting Engine - patent pending• Money back sooner than competitors• Shorter expiration for offers, sense of urgency

to use offer

Freemonee G2M Strategy

• Focus on forming relationships with big banks ( Platform strategy)

• Acquire strong portfolio of merchants• Gamification to motivate customers • Open Innovation among partners

Conclusion

• Awareness of S-Curve and disruptive technology

• Open Innovation with partners• Confidentiality of customer information

Groupon

Card linked offer?

Thank you !

Webpage to Consumer

• Offers not based on consumer history• Login required• Desired offer is selected and loaded onto

the card

Retailer to Consumer

• Retailers determine offers

Credit Card Company Offers

• Rewards programs and cash back offered by banks and credit card companies

Appendix

Key Issues

• Market• Market Size & Trends• Customers (Segmentation)• Channel (Partnership)• G2M Strategy

• Product/Service• Technology ( Predictive Analysis)

• Challenges

Credit Cards