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Tim Finnigan welcomes Jared Luskin, Head of Partnerships at Cardlytics and Bridg, to The Marketing Rapport to discuss personalization in marketing. Jared explains how access to accurate purchase data allows companies like Cardlytics and Bridg to move beyond demographics and understand real consumer behavior. He emphasizes the disadvantage of relying on assumptions and outdated models when trying to reach target audiences. Jared highlights Bridg's identity resolution capabilities, rooted in point-of-sale transactions. This data helps clients identify and engage unknown or non-loyal customers by connecting purchase behavior with demographic and lifestyle insights. He illustrates this with an example of how convenience stores, often lacking strong loyalty programs, can leverage this data to understand their customers better and personalize marketing efforts. The views, thoughts, and opinions expressed are those of the speaker and do not necessarily represent the views, thoughts, and opinions of Verisk Marketing Solutions or Verisk Analytics. The material and information presented here is for general information purposes only. This podcast is not intended to replace legal or other professional advice. The Lead Intelligence, Inc. (dba Verisk Marketing Solutions) and Verisk Analytics LLC names and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service. VERISK MARKETING SOLUTIONS DISCLAIMS ALL LIABILITY ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.
Live from an ESG-flavored pumpkin patch, it's an all-new Terrific Tuesday edition of Business Pants. Joined by Analyst-Hole Matt Moscardi! On today's Halloween-filled scary Independent lead Director called October 29th 2024: a scary rate the headline game and a Terrifying headlines quiz!Our show today is being sponsored by Free Float Analytics, the only platform measuring board power, connections, and performance for FREE.DAMION1Scary headlines game23andMe Appoints Three New Independent Directors to BoardMark Jensen (LD & Comp Committee Chair): former executive at Arthur Andersen LLPAndre Fernandez (Audit Committee chair): former CFO WeWorkJim FrankolaAverage board influence across 4 boards (Lattice Semiconductor, Cardlytics, Ansys, and Skillsoft) is 4%OpenAI chair's AI startup Sierra gets $4.5 bln valuation in latest funding roundBret Taylor has raised $175 million in a new funding roundOne-year-old Sierra focuses on selling artificial intelligence-powered customer service chatbots to enterprises. It serves clients such as WeightWatchers and Sirius XMJeff Bezos Reveals Why Washington Post Didn't Endorse a 2024 Candidate (spoiler: the quick answer is Jeff Bezos)“Dave Limp, the chief executive of one of my companies, Blue Origin, met with former president Donald Trump on the day of our announcement,” Bezos wrote. “I sighed when I found out, because I knew it would provide ammunition to those who would like to frame this as anything other than a principled decision.”As he heads for the exit, Missouri secretary of state resurrects ‘anti-woke' investing rulesIn calling for the latest round of changes, Jay Ashcroft said there is “an immediate danger to the public welfare” if there are not guidelines in place cautioning people about investment firms that use ESG principles: “ESG investing opposes fossil fuels, pushes unionization of private companies, pushes radical racial and gender equity over merit, and flexes their influence over who is chosen to sit on corporate boards.”AI will acquire a human form,' says Nvidia vice president (Masataka Osaki, the Vice President of Worldwide Field Operations at Nvidia)Elon Musk's secret talks with Putin ramped up during his Twitter takeover: WSJ reportGoogle to develop AI that takes over computers, The Information reportsAlphabet's Google is developing artificial intelligence technology that takes over a web browser to complete tasks such as research and shoppingJeff Bezos Reportedly Has Secretive "Personal Reasons" for Wanting to Escape to MarsWoman sues JetBlue over ‘dangerously cold' ice cream sandwich that she says cracked her toothRobinhood jumps into election trading, giving users chance to buy Harris or Trump contractsU.S. stocks could soon trade for almost 24 hours a dayElon Musk claims he can cut the federal budget for Trump by 'at least' $2 trillionTech CEOs hedge their bets and make nice with TrumpApple's Tim Cook phoned the former president to discuss Apple's European legal troublesSundar Pichai called him to praise his photo op at a McDonald'sFinally, let's rate some Jamie Dimon says:JPMorgan CEO Jamie Dimon says 'it's time to fight back' on regulationJamie Dimon says the global order is at risk–and raging conflicts could explode into World War 3World War 3 has already begun, says JPMorgan Chase CEO Jamie DimonMATT1Terrifying headlines quizYou really like being alive on earth… and then…:Volcanoes don't cause climate change — but it could be the other way aroundClimate Change Even Threatening Greece's Butterflies, Food SupplyPolar bears are getting horrific injuries and huge 'ice balls' on their paws because of climate change, researchers say DRFall leaves look a little muted? Warmer, drier conditions are changing autumn in ArizonaYou really don't want e coli or some horrible plague… and that's when you hear:McDonald's bringing back Quarter Pounder after beef patties ruled out as source of E. coli outbreakRoyal Caribbean raises annual profit forecast on strong cruise demand, price hikesThe Arctic ice is melting. A booming cruise industry is taking advantage — while it can.Threat of foodborne pathogens is growing with climate change, experts warn DRYou are an out gay human being working in a firm with thousands of employees, virtually all of whom are white hetero milquetoast or not out at work. You're already basically alone in a sea of bros, when you find out…:Your CEO leads an anti-gay church, and apologizes only because the billionaire ex-CEO and chair has a married non-binary child (Fortescue) DRIt's your fault angry white men don't want to pay your products touched by your gayness (Harley)Your existence in the office, not your work product, got your hetero white male CEO paid morePicture this - you're home, comfortably at your kitchen table, home made coffee, house is empty, on your Zoom calls. You can shit in your toilet, you can choose to wear pants or not, you can be on call if your kids get a fever in class and pass out… and then…:Being forced to come back to the office but the CEO isn't there (Starbucks)9.5% of CEOs are ‘Supercommuters.' But they tend to underperform—especially if they own a boat or live near a golf courseBeing allowed to work from home… for a dual class dictator (Spotify)Being forced to bring your kids to the office because you had two days notice to get back to the office (Dell) DRThese are your only investment options in the world… and you are horrified:Boeing raises greater-than-expected $21 billion from new stock sales on pricingMcDonald's $5 value meals save third quarter U.S. sales but E. coli outbreak hangs over recovery DRSouthwest Airlines must face pilots' union lawsuit over threatsSubway is seriously skimping on deli meat, lawsuit saysAnd finally, who is the most terrifying victor in November:TrumpMuskHarrisJamie Dimon Says
This week on Commerce Code we speak with Avinash Chukka of Cardlytics and Brett Watson and Jeff Hudson of The Coupon Bureau.Listeners to Commerce Code will know who Cardlytics is - they were a pioneer and primary player in the CLO industry from the start. The Coupon Bureau (TCB) is a nonprofit industry association, like DCA-CardLinx, that was created to develop and promulgate a universal standard for digital coupons. As TCB says, their mission is to seamlessly connect manufacturers, retailers, and consumers with secure, cutting-edge coupon solutions.Notice the word manufacturers in there - a key piece of this is product brands who would otherwise be issuing paper coupons; this creates a secure digital standard for them to use that merchants can recognize. And it will allow Cardlytics to bring new offers to consumers through their platform.
The CPG Guys are joined in this episode by Joell Robinson, Senior Director for Retail Media Sales & Activation at Giant Eagle & Neil Murphy Chief Revenue Officer at Bridg, a division of Cardlytics.This episode is sponsored by Bridg.Follow Joell Robinson on LinkedIn at: https://www.linkedin.com/in/joellguglielmo/ Follow Leap Retail Media Network online at: https://www.leapmediagroup.comFollow Neil Murphy on LinkedIn at: https://www.linkedin.com/in/neil-murphy-49b940?Follow Rippl Media Network online at: https://www.bridg.com/rippl-for-advertisersJoell & Neil answer these questions:As you seek to build out a meaningful retail media program, having a complete understanding of shoppers connected to transactions is fundamentally important. Would you elaborate on this and some of the challenges you face in this area?As you thought about seeking to resolve the identities of anonymous transactions, connecting them to Giant Eagle loyalty program members in order to further enrich Leap Media Group, what were important elements of your decision to partner with an external service provider?After deciding to partner with Bridg, what was the integration process like? How much effort on Giant Eagle's side did it take to activate the partnership and what were the KPIs you employed to evaluate the investment?In order to attract brands to invest in retail media, scale is a major consideration. How has Giant Eagle's recent announcement that it has entered the Rippl Data & Media Network enabled you to address the scale challenge that many regional & super-regional retailers have faced?How are brands able to leverage the Bridg-enhanced purchase behavior data of Giant Eagle shoppers to drive successful full funnel advertising outcomes?Where are you hoping to take the partnership with Bridg and what advice woul you give to other regional retailers looking to make their networks more appealing and accessible to brand advertisers?CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comRhea Raj's Website: http://rhearaj.comLara Raj in the band Katseye debut: https://www.youtube.com/watch?v=bYg6aMDQ_TA Kavita's podcast: Spotify AppleDISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their app CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.
Do This, NOT That: Marketing Tips with Jay Schwedelson l Presented By Marigold
In this episode of "Do This, Not That", host Jay Schwedelson interviews his college friend Marc Ginsberg, the CEO of CallRail. CallRail is an AI-powered call tracking and analytics company that helps over 200,000 small and medium businesses understand who is calling them, what is being said on those calls, and how they can use those insights to drive more sales.=================================================================Best Moments:(4:00) How Marc has been focused on data, analytics, and insights throughout his career even before AI was mainstream(6:58) Practical ways small businesses can leverage AI to benefit their operations, such as through sentiment analysis of calls and emails(7:40) Using AI for time savings by automating meeting and call transcription and analysis(9:29) How AI call analysis helped one of CallRail's driveway installation customers identify and pursue a new revenue stream(15:09) Marc's vision for how AI will progress from automation into more assisted intelligence over the next 5-10 years=================================================================Guest bios:Marc Ginsberg, CEO of CallRail. 25+ years of marketing and growth experience at companies like American Express and Cardlytics. Helped grow CallRail 3x since joining as CEO 3 years ago.=================================================================PARTNER WITH JAY AND GURU Media Hub HERE:www.GuruMediaHub.comPartner with Jay or have Jay on YOUR podcast:www.JaySchwedelson.comJay's Agency:www.OutcomeMedia.com=================================================================MASSIVE thank you to our Sponsor, Marigold!!Marigold is a relationship marketing platform designed to help you acquire new customers and turn them into superfans with their best-in-class loyalty solutions. Don't take my word for it though, American Airlines, Honeybaked Ham, Title Boxing, and Notre Dame University are also customers!Regardless of your size, check out Marigold today to get the solution you need to grow your business!Check out this free content Jay has loved digesting, Marigold's 2024 Retail Trends Guide.
On this episode of Chit Chat Stocks, we speak with IndraStocks on all things Cardlytics. We discuss: (02:30) The Rise and Fall of Cardlytics' Stock Price (07:06) Partnerships and the Importance of Scale (09:57) How Cardlytics Works: Providing Offers to Bank Customers (27:39) Financials and the Path to Profitability (28:03) Challenges of Building a Subscale Business (30:05) The Turnaround Story: Cutting Costs and Improving Profitability (32:42) The Potential of the American Express Partnership (34:33) The Importance of Prioritizing Product Development (35:22) Upside and Downside Potential for Investors (38:21) Earnings Potential and Enterprise Value (42:37) Challenges in Advertiser Appreciation of Cardlytics' Advantages (46:55) Potential Collaboration with PayPal (49:31) The Benefits of the Bridge Platform for Retailers SUBCRIBE TO THE INDRASTOCKS SUBSTACK: https://indrastocks.substack.com/ ***************************************************** Subscribe to our YouTube channel: https://www.youtube.com/@ChitChatStocks Follow us on Twitter/X: https://twitter.com/chitchatstocks Follow us on Substack: https://chitchatstocks.substack.com/ ********************************************************************* Options are not suitable for all investors and carry significant risk. Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date. Certain complex options strategies carry additional risk. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, among others, as compared with a single option trade. Prior to buying or selling an option, investors must read and understand the “Characteristics and Risks of Standardized Options”, also known as the options disclosure document (ODD) which can be found at: www.theocc.com/company-information/documents-and-archives/options-disclosure-document Supporting documentation for any claims will be furnished upon request. If you are enrolled in our Options Order Flow Rebate Program, The exact rebate will depend on the specifics of each transaction and will be previewed for you prior to submitting each trade. This rebate will be deducted from your cost to place the trade and will be reflected on your trade confirmation. Order flow rebates are not available for non-options transactions. To learn more, see our Fee Schedule, Order Flow Rebate FAQ, and Order Flow Rebate Program Terms & Conditions. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information. ********************************************************************* FinChat.io is The Complete Stock Research Platform for fundamental investors. With its beautiful design and institutional-quality data, FinChat is incredibly powerful and easy to use. Use our LINK and get 15% off any premium plan: https://finchat.io/chitchat/?lmref=J3bklw ********************************************************************* Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.
I ugens aktieunivers kommer vi forbi kryptoland, hvor der har været smæk på. Der er også kommet inflationstal fra USA, som vi dykker ned i. NewDeal Invest er gået i samarbejde med Etoro og havde event på Børsen. Vi vender også regnskaber fra SentinelOne, Cardlytics og Allegro. Herudover kigger vi på dagens 3 AI aktier, heriblandt TikTok som har været lidt under skud. Alt dette og meget mere! *I næste uge holder vi fri, men vi er tilbage ugen efter!*
On today's episode, we welcome Robert Kim, a seasoned entrepreneur with over two decades of experience in the startup and technology sector. Today, we discuss Rob's impressive career trajectory, including his pivotal role in founding Zuub and his contributions to Bridge, which saw a lucrative acquisition by Cardlytics. Rob shares his journey from a molecular biology major at UCLA to becoming a tech startup luminary, emphasizing the transition from scientific research to product management and eventually leading innovative projects in the dental SaaS (Software as a Service) space. Rob discusses the genesis of Zuub, stemming from a need to enhance dental case acceptance rates. By focusing on simplifying patient communication and understanding through a mobile-first approach, Zuub aims to demystify treatment plans for patients, thereby increasing case acceptance rates. The conversation shifts to the challenges of insurance verification in dental practices, highlighting Zuub's cutting-edge solution that combines AI and bots to streamline the process, providing real-time, accurate insurance data to practices. This technology not only saves time but also significantly reduces the operational costs associated with insurance verification. Further exploring the entrepreneurial mindset, Rob reflects on the allure of problem-solving and the dynamic nature of startups. Despite the high failure rate in the startup world, Rob's enthusiasm for tackling complex problems and his belief in continuous innovation shine through. The discussion provides insights into the venture capital landscape, underscoring the importance of a capable team behind a promising idea. This episode offers a deep dive into the intersections of technology, healthcare, and entrepreneurship, showcasing Rob Kim's journey from a science enthusiast to a tech entrepreneur revolutionizing dental practice management. EPISODE RESOURCES https://www.zuub.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast
This week on Commerce Code we speak with Avinash Chukka, Vice President of Product at Cardlytics. Avinash spoke at the DCA Summit at Mastercard this November, so we are following up on that session to unpack some of his key points. We'll be talking about art vs. science in digital marketing, tactics to increase cardholder engagement through targeted offers, the marginal benefits of shaping cardholder spend by having better data on preferences, geo-fenced offers and more.
Cardlytics, Inc., Q3 2023 Earnings Call, Nov 08, 2023
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
New show schedule.Munger interview - https://youtu.be/w6qRb171cog?si=R6lcXZIA6dGnYOE5Why I sold Cardlytics.Follow Jason - https://twitter.com/afterinvestorGet in touch - https://afterdinnerinvestor.com/contact/
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
Show updateManchester UnitedCoalCardlytics Formulahttps://twitter.com/afterinvestorUranium Spotlight: Nuclear's Resurgence in a Clean Energy WorldA weekly podcast on uranium fuel market trends and its global energy impactListen on: Apple Podcasts Spotify
An insightful chat with Cardlytics' co-founder and former CEO Lynne Laube- now a partner with Valor Ventures- and Fintech Catalyst Robert Daniel of Georgia Tech's ATDC, about September's exciting startup competition including a few pitch tips from insiders. Also, Glen's thoughts on PayPal's new stablecoin and the Premier League's payments connections. Links related to this episode: Fintech South: https://www.fintechsouth.com/ Valor Ventures: https://valor.vc/ ATDC: https://atdc.org/ PayPal: https://www.cnn.com/2023/08/07/business/paypal-crypto-stablecoin/index.html AstroPay: https://astropay.com/ Follow the Best Innovation Group on LinkedIn: https://www.linkedin.com/company/best-innovation-group/ Follow Glen on Twitter @154Advisors Follow John on Twitter @jbfintech
Cardlytics, Inc., Q2 2023 Earnings Call, Aug 01, 2023
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
More Amazon newsWarner Brothers Discovery earnings soonCarvana at the market offeringCardlytics Q2 2023 reviewhttps://twitter.com/afterinvestor
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
Cardlyticshttps://twitter.com/afterinvestor
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
Harold HammAmazon same-day deliveryMore CarvanaHuge weekThe Cardlytics formula https://twitter.com/afterinvestorOverpowered ToolsStop losing customers to a missed phone call with Missed Call Text-Back!
To help me kick off Season Two, I am joined by John Conway. John has worked in marketing analytics since the early 2000s. His roles have supported RSA Insurance, MoneySupermarket & Cardlytics, before his agency experience and then setting up his own businesses. He went on to work on Loyalty and Big Data before latterly becoming an independent consultant. His current projects include personal assignments, advisory positions, running a data studio company, as well as being the MD and co-founder of iota-ML, a machine learning platform for marketers. In this episode, we drill down on the softer skill that John prioritises. Exploring why developing that skill has been crucial to his success, not just his technical skills & knowledge. I hope there is something to help everyone in this episode, from those new to analytics & seasoned data leaders.
Cardlytics, Inc. Q1 2023 Earnings Call May 04 2023
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
Austin Swanson aka Swany407 joins the podcast for a deep dive on Cardlytics. Enjoy!Austin's Substack - https://swany407.substack.com/Follow Austin - https://twitter.com/Swany407Follow Jason - https://twitter.com/afterinvestorThe Physician Syndicate: Angel Investing | Venture Capital | Startups | Personal FinanceThe Physician Syndicate Podcast: A podcast for physicians to jump into the startup world. Listen on: Apple Podcasts Spotify
I ugens episode ser vi på de nyeste ADP- og PMI-tal, og hvad det gør for makroen. Mads snakker AI ud fra klips fra podcasten Raoul Pal: Real Vision. Vi snakker også taksonomien ved forskellige typer nedture. dLocal og Cardlytics har også opdateringer, som vi kigger på. Denne episode er sponsoreret af HelloFresh. Få 30% rabat på de første to måltidskasser og 20% rabat på de følgende tre måltidskasser ved at bruge rabatkoden UNIVERSET på hellofresh.dk.
Cardlytics, Inc., Q4 2022 Earnings Call, Mar 01, 2023
Introduction: Welcome to Five & Thrive: a weekly podcast highlighting the Southeast's most interesting news, entrepreneurs, and information of the week, all under 5 minutes. My name is Jon Birdsong and I'm with Atlanta Ventures. Event of the Week: Mark your calendars for March 22nd, Christy Brown of Dr. Noze Best is being interviewed at the next Atlanta Healthcare Entrepreneurship MeetUp. Dr. Noze Best is an infant nasal suction device that's portable, easy to clean, and designed with hospital-grade suction. This interview will cover several intricacies of healthcare including go-to-market, manufacturing, unit economics, and their origin story. Raise of the Week: Cycle Labs out of Raleigh, NC raised $6.5M this week from Jurassic Capital. Cycle Labs provides a continuous test automation software platform to large enterprises worldwide. Co-founded by CEO, Josh Owen, Cycle Labs has 30 employees and now has some more dry powder to put to use. Also, AdPipe out of Athens, Georgia raised $3M dollars led by Atlanta Ventures with participation from Tom Noonan. AdPipe repurposes, repackages, and reposts content from your existing library of videos and makes them shorter and crisper with attractive copy so clicks are 3-4x of traditional, static marketing collateral. Congrats to Andrew and Sam! Several funds are in the process of closing or just closed a new round. Starting first with Cofounder's Capital out of Raleigh, NC. It was announced this week that they closed their 3rd fund of $50M. Cofounders Capital was started by David Gardiner and they invest in the earliest of early opportunities mainly in the RDU area. Congrats on their raise and more fuel for the ecosystem. Keeping it in the funds category, TTV Capital closed their most recent fund of $250M. Led by Gardiner Gerrard. This Atlanta Stalwart has raised over a cumulative $700M and invests in B2B SaaS, cyber-security, and fintech. Local investments include GreenLight and Cardlytics. News of the Week: Fast Company came out this week with several lists including a few that we have highlighted before on the podcast. The first category is the Top 10 Innovative Companies with under 10 people and on that list is Franklin Junction. Franklin Junction matches food brands with underutilized kitchen space, making them a host kitchen – which is different from a ghost kitchen. Now a name brand food can be cooked in a kitchen with a completely different name and easily picked up and delivered to your doorstep…even if there is not a traditional restaurant location available. The next list from Fast Company is the Top 10 Innovative Companies in Wellness and number two on the list is Reframe out of Atlanta. Reframe provides cognitive behavioral therapy on demand, offers a personalized daily alcohol reduction program, craving management tools, community support groups and coaching. Beta Product of the Week: Jordan and Scott Arogeti started a new company that helps people grieve around a death. Mi Alma (“my soul”) in Spanish offers resources necessary to not only aid in the initial grieving and times of need, but also creates a space where memories can live on in an active and meaningful way. Features include: community-wide collection of pictures, stories, and memories of the deceased with a “support registry” that makes it easy for anyone that's inclined to give money, meals, or time. If you're grieving over a lost family or friend, check out Mi Alma. Blog Post of the Week: The Godfather of SaaS is putting out superb content and the one worth highlighting today is his 5 Learnings from TradeDesk which offers self-service SaaS for Adtech. Here are three: first, the company was founded in 2009 and has been profitable since 2013. Just this past quarter it was announced they had a 42% adjusted EBITDA margin on 1.6B in revenue for the fiscal year. Second, they've been able to keep their sales and marketing spend at about 19%, which is half of what most fast growing companies spend on go-to-market. Lastly, they grew fast but not insanely fast. After hitting $100M in ARR, they grew anywhere from 28-76% a year, each one of them being profitable. Today they are over $2B in ARR, profitable, and in today's markets that efficiency is rewarded through a $28B market cap. We put the post in the show notes. Annnnd that is five minutes! Links discussed:
Cardlytics, Inc., Q3 2022 Earnings Call, Nov 01, 2022
This week, Karen is joined by Candace Ohm, Director of Product Analytics at Cardlytics. Being a first-generation college student, Candace faced a number of challenges in her journey to become a leader in data science. In this episode, she shares a story of self-discovery and of overcoming limiting beliefs that were stopping her from feeling like she belonged in a career in data. But most of all, she shares a story of courage. Enjoy! ****************** Show notes: ****************** Candace's LinkedIn: https://www.linkedin.com/in/candaceohm/
Can supporting/producing an event from a remote location actually work? In this episode, Elevate team member Sarah Cait Sawyer shares how she best prepares to support our clients and their events, even from across the country. Spoiler Alert! It all boils down to 2 powerful questions we ask when planning any event: 1. What do you want your attendees to feel when they leave? 2. What do you want them to remember? In this episode, you'll also learn about one of our amazing clients, Cardlytics. We are honored to partner with Cardlytics on a monthly basis, helping to make their monthly town hall gatherings a success. These virtual gatherings are streamed across the globe! We also recently partnered with Cardlytics on a special "Women's Fireside Chat" event where powerful female CEOs shared insights, lessons learned, and so much more. Did you know that Elevate offers retainer packages? If you/your company have monthly gatherings, regular meetings, or just know you want to make remarkable events a part of your calendar, we'd love to help! Click here to connect with a member of our team to learn more.
Cardlytics, Inc., Q2 2022 Earnings Call, Aug 02, 2022
Cardlytics Aktie - Automatisch über die Kartenzahlung sparen
Cardlytics, Inc., Q1 2022 Earnings Call, May 02, 2022
We are kicking off Season 3! The theme of this season: SheLeads [in Product], where you will learn from the top product leaders - how they discovered and broke into product and the key aspects of being the best product leader. The first season of Season 3 is Roshni Jain, the VP of Product at Eventbrite!Roshni began her professional career in consulting at McKinsey before diving into product at Cardlytics and Udacity to now - as the VP of Product at Eventbrite. She received her BS from Wharton School, MA and MBA from Stanford University. Enjoy!
This week on Commerce Code we speak with Campbell Shaw, SVP FI & Publisher Partnerships at Cardlytics, and learn more about enriching banks' customer relationships during difficult times.
El patrocinador de este episodio es Myinvestor, un banco con arquitectura abierta y muchas opciones atractivas. Más información en www.myinvestor.es En este capítulo respondemos las preguntas de los oyentes, varios de los temas tratados son: -JD y Alibaba. -Riesgo deslisting. -Oportunidades en Small Caps. -Cardlytics . -Games Workshop. -Oportunidades con opciones. Si te ha gustado ❤️, tan solo te pedimos un pequeño favor 🙏, el cual nos ayudará a que este proyecto sea viable: déjanos tu "Me gusta 👍" , suscríbete ✔️ además de compártelo con tus amigos y conocidos 📢. De esta forma nos ayudarás a que merezca la pena nuestro proyecto, consiguiendo llegar al mayor número posible de oyentes 🚀. Gracias por estar ahí y escucharnos 🎧, nos vemos en siguientes semanas con un nuevo capítulo de Hablemos de Inversiones 🎙️ Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals
Cardlytics, Inc., Q4 2021 Earnings Call, Mar 01, 2022
This week I'm excited to share with you my conversation with Austin Swanson. Austin is a real estate and stock market investor. And boy, is he passionate about investing. Austin dives deeper into businesses than any analyst/portfolio manager I've seen. This show is a highlight into Austin's research process on Cardlytics (CDLX). Austin owns a two-stock portfolio, and CDLX is one of them.This episode dives deep into the Cardlytics business. We discuss everything including: Customer value proposition CDLX Unit Economics What separates CDLX from its competition Why competitors can't easily compete with CDLX CDLX long-term value creation potential What's embedded in the current stock price? And more! If you're interested in CDLX or already invested and want to learn more, this episode is for you!If you like what you hear from Austin, follow him on Twitter @Swany407 and check out his Substack here. --- Support this podcast: https://anchor.fm/valuehive/support
Mark speaks with Andrei Faji the Director of Engagement for PandaDoc. Small to medium businesses are transitioning to digital document management more than ever. Why? Yet only 53% of decision-makers say they are comfortable with the process! Plenty of room to learn with PandaDoc.About Andrei Faji Director of Engagement Marketing at PandaDoc A guest speaker at SXSW and IBM's Builder Fair, Andrei has helped emerging businesses connect with their customers by creating authentic interactions. He lives with his family in Austin, TX. Andrei Faji helps businesses build brands and tell remarkable stories. He's the Director of Engagement Marketing at PandaDoc, the tool that makes it ridiculously easy to create, sign, and edit documents digitally. Over the past decade, he's helped companies such as Dosh (acquired by Cardlytics) and Bloomspot (acquired by Chase) find their company narrative and bring it to market. A guest speaker at SXSW and IBM's Builder Fair, Andrei has helped emerging businesses connect with their customers by creating authentic interactions. He lives with his family in Austin, TX.
Mark speaks with Andrei Faji the Director of Engagement for PandaDoc. Small to medium businesses are transitioning to digital document management more than ever. Why? Yet only 53% of decision-makers say they are comfortable with the process! Plenty of room to learn with PandaDoc.About Andrei Faji Director of Engagement Marketing at PandaDoc A guest speaker at SXSW and IBM's Builder Fair, Andrei has helped emerging businesses connect with their customers by creating authentic interactions. He lives with his family in Austin, TX. Andrei Faji helps businesses build brands and tell remarkable stories. He's the Director of Engagement Marketing at PandaDoc, the tool that makes it ridiculously easy to create, sign, and edit documents digitally. Over the past decade, he's helped companies such as Dosh (acquired by Cardlytics) and Bloomspot (acquired by Chase) find their company narrative and bring it to market. A guest speaker at SXSW and IBM's Builder Fair, Andrei has helped emerging businesses connect with their customers by creating authentic interactions. He lives with his family in Austin, TX.
A discussion with Warren Hearnes, Fmr SVP Analytics & Data Science, Cardlytics and now VP and Head of Data Science at Best Buy #analytics #datascience #leadership #machinelearning #ai #artificialintelligence #cardlytics #UPS #HomeDepot #BestBuy
Die Amis machen Feiertag und auch der DAX sieht's entspannt. Weniger entspannt sind Übernahme-Katastrophen bei Siltronic und Unilever sowie die Absätze von Renault. Apropos Renault: Musk hat im letzten Jahr mehr Geld verdient als alle Hedgefonds dieser Welt. Bis Musk seinen Autopilot fertigstellt, kontrolliert John Deere (WKN: 850866) die gesamte Traktor-Welt - denn Bauern die nicht selbst fahren, können Geld sparen. Cardlytics (WKN: A2JDMC) weiß, wo dein Geld fließt. Denn das Google der Finanzwelt hat die vielleicht geilsten Daten der Welt. Diesen Podcast der Podstars GmbH (Noah Leidinger) vom 18.01.2022, 3:00 Uhr stellt Dir die Trade Republic Bank GmbH zur Verfügung. Die Trade Republic Bank GmbH wird von der Bundesanstalt für Finanzaufsicht beaufsichtigt.
Karen Jean-Francois joins us to discuss how she wants to empower her team members and a wider audience of data scientists battling imposter syndrome. In this episode you will learn: • Karen's background as a hurdler [4:42] • Women in Data Podcast [10:32] • Cardlytics [19:04] • Karen's background and current career [22:55] • Karen's favorite tools [31:29] • Karen's balance of fitness and work [34:45] • The biggest challenge of Karen's career [47:09] • Advancement in data [54:13] • What is Karen most excited about? [59:40] Additional materials: www.superdatascience.com/525
The CPG Guys, Sri & guest host Melisssa Burdick from Pacvue are joined in this episode by Rose Jia, head of Growth Marketing for Amazon Fresh.This is the second of a two part partnership episode series with Cardlytics which partners with financial institutions to understand where and when consumers are spending their money. They use these insights to help marketers identify, reach, and influence likely buyers at scale.Follow Rose Jia on LinkedIn at: http://linkedin.com/in/rjiaFollow Renaissance Marketer at: http://renaissancemarketer.comFollow Cardlytics online at: http://www.cardlytics.comFollow Cardlytics on LinkedIn at: https://www.linkedin.com/company/cardlytics/For more inquiries on eyekandy, please contact garrett@eyekandy.comRose answers these questions:Walk through your background—the journey from investment banker to marketing.Do you think your background gives you an edge/advantage in your current role, how so?What is renaissancemarketer.com How do you define a renaissance marketer?Are there certain gaps or common biases that you think hold a lot of marketers back from making a bigger impact?Shopper behavior has change dramatically in the past year and half. What challenges do you face in better understanding and incentivizing shoppers?You've spoken about your approach of choosing partners to go ‘deep' with as similar to making investments in the financial world. Can you explain your philosophy about that?What gaps do you see in the solution provider space to meet the new needs of/partner with retailers?Any good examples of emerging platforms you're bullish on delivering big marketing returns for you over the long term?What does best in class partnership look like to you? (Guiding/consulting/challenging vs marching orders/tactical execution)Please provide the CPG Guys feedback at http://ratethispodcast.com/cpgguysCPG Guys Website: http://CPGGuys.comInstagram: http://Instagram.com/cpgguysTwitter: http://twitter.com/cpgguysPlease follow the Network of Executive Women at http://newonline.org/cpgguysDISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.
This week, Shekar, and guest host, Stephanie Doherty have the opportunity to speak with Mike Novosel, Industry Lead for Grocery, Gas & Convenience at Cardlytics. Cardlytics uses purchase-based intelligence to make marketing more relevant and measurable. They partner with more than 1,500 financial institutions to run their rewards programs which gives them a secure view into where and when consumers are spending their money. They then use these insights to help marketers identify, reach and influence customers. The three discuss the unique view Cardlytics has into how and where consumers are spending their money, how the company simultaneously creates value for bankers, customers, and grocery marketers, the one consistent challenge created by Covid across all retailers, and much more!
Cardlytics, Inc., Q3 2021 Earnings Call, Nov 02, 2021
The CPG Guys, Sri & guest host Melisssa Burdick from Pacvue are joined in this episode by Ross McNab, President for North America Advertising at Cardlytics which partners with financial institutions to understand where and when consumers are spending their money. They use these insights to help marketers identify, reach, and influence likely buyers at scale.This is the first of a two part partnership episode series with Cardlytics.Follow Ross McNab on LinkedIn at: https://www.linkedin.com/in/mcnabross/Follow Cardlytics online at: http://www.cardlytics.comFollow Cardlytics on LinkedIn at: https://www.linkedin.com/company/cardlytics/To watch the full episode: http://info.psignite.com/podcast-interviews Ross answers these questions:1) Why don't you start with sharing a bit more about your journey through programmatic advertising and what lessons you've drawn from that to guide how you approach advertising at Cardlytics.2)Reputation/Perceived Value in advertising is as important as ever, yes? In your opinion, how has this subsequently impacted the way in which senior leaders think about the role/value of marketing/advertising plays in the broader business strategy, and how has that changed?3)Let's dig into Cardlytics. What differentiates you? What is Cardlytics edge? Why should a brand work with you vs others?4)What is Cardlytics philosophy for scale : Is it Data or Data Science ? This is a cardinal question within any CPG organization, how do you help drive scale and adoption? 5)Talk to us about the cardlytics ad platform. What tools & solutions does it offer?6) eCommerce and digital selling is another area that has now become permanent. How do you think this positions with the traditional way of revenue measurement across CPG manufacturers? What are your thoughts around this space - what do you offer? 7)(Sri) What makes your campaign measurement suite different from others? Digital campaigns by default are easier to measure, but what about in-store8) (Melissa) What's next for Cardlytics? What does the product pipeline look like?Please provide the CPG Guys feedback at http://ratethispodcast.com/cpgguysCPG Guys Website: http://CPGGuys.comInstagram: http://Instagram.com/cpgguysTwitter: http://twitter.com/cpgguysPlease follow the Network of Executive Women at http://newonline.org/cpgguysDISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
How I found Cardlytics.The business.The valuation.My judgement.ADI content update.Resources:Clifford Sosin on Cardlytics $CDLX - https://youtu.be/mX0shUT5iwQClifford Sosin - Cardlytics: The Ad Platform with Purchasing Power - https://www.joincolossus.com/episodes/90410739/sosin-cardlytics-the-ad-platform-with-purchasing-power?tab=blocksCardlytics 2020 10-K - https://ir.cardlytics.com/static-files/8919b085-4d27-4a8d-a0c5-0d7ed4d2611cMore ADI:Blog - https://afterdinnerinvestor.com/Newsletter - https://afterdinnerinvestor.substack.com/YouTube - https://www.youtube.com/channel/UCI4soDcgEYnJhhrsT0MqIDgADI Library - coming soon
In Episode 49 of Driven by Data: The Podcast, Kyle Winterbottom is joined by Karen Jean-Francois, Analytics Manager at Cardlytics, where they discuss how people can craft the career they want in Data & Analytics, her humbling career journey so far and how she overcame imposter syndrome, which includes; Moving from the Caribbean to Paris to London Her struggles of living away from home & her family The transition from performing at the European Championships into the world of Data Why she hosts the Women In Data Podcast How she was awarded the 20 in Data & Technology 2020 Why she struggled to find her place & voice The importance of role models and networking on her career How she joined Cardlytics as the only female in the team Why she had a huge case of Imposter Syndrome and how she overcame it How she realised it was all in her own mind Why it prevented her from being promoted despite knowing she was doing great work The importance of opening up about Imposter Syndrome Why company culture is so important to deal with Imposter Syndrome How to go from diagnosis to action (to start addressing the problem) The journey from introvert with imposter syndrome to winning industry awards and podcast host The technical V commercial debate How she almost quit Data & Analytics to become a pastry chef That she realized that she had so far let others decide what my career would look like The importance of owning your own career and defining what you want it to be Her top questions for crafting your career: Where are you at today? Where would you like to be and why? What's stopping you from getting there? How are you going to overcome these blockers?
After Dinner Investing | On The Hunt For No-Brainer Stock Investments
What I'm reading:Buffett: The Making of an American Capitalist - https://amzn.to/37L6wnFCommon Stocks and Uncommon Profits - https://amzn.to/3so30cuTopics: Reysas LogisticsAlibabaChange HealthcareCardlyticsProsus/Naspers/TencentHoward Hughes CorpMicron TechnologyResources:ADI Newsletter - https://afterdinnerinvestor.substack.comPunch Card Investing episode 18 - https://youtu.be/E-S3GZUBLG4Clifford Sosin on Cardlytics $CDLX - https://youtu.be/mX0shUT5iwQClifford Sosin - Cardlytics: The Ad Platform with Purchasing Power - https://www.joincolossus.com/episodes/90410739/sosin-cardlytics-the-ad-platform-with-purchasing-power?tab=blocks
Cardlytics, Inc., Q2 2021 Earnings Call, Aug 03, 2021
Endeavor Atlanta's dynamic leader in fintech, Lynne Laube, CEO and Cofounder of Cardlytics, shares employee retention strategies, tips for hiring your c-suite, and recruitment tactics for developing a healthy culture with Managing Director, Aaron Hurst. Lynne was featured as an Inspiring Women to Watch by Inc. Magazine. She received The Women of the Year Award from Georgia's Women in Technology and was named one of the top 10 venture-backed female founders by Inc. Magazine and Entrepreneur 360. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/endeavornorthamerica/message Support this podcast: https://anchor.fm/endeavornorthamerica/support
Today, we will be diving into Cardlytics. Founded in 2008, Cardlytics operates as an advertising platform integrated with the digital channels of banks. It allows advertisers to identify potential customers from their spending habits and reach those customers directly within their mobile banking applications. Today, Cardlytics is one of the largest digital ad platforms, seeing data on 50% of every card swipe in the US. To help break down Cardlytics, I will be joined by Cliff Sosin, founder of CAS Investment Partners. During our conversation, we touch on what makes Cardlytics' value proposition so valuable to the ecosystem, how Cardlytics' measurement capabilities differ from Google, and what is needed for Cardlytics to reach its full potential. Throughout our conversation, Cliff gives a great perspective on how this management team brought unique insight to this opportunity but then faced struggles as the company started to scale. His understanding of the history of the business shines throughout the discussion. I hope you enjoy this breakdown of Cardlytics. For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. ----- This episode is brought to you by Quartr. With Quartr, you can access conference calls, investor presentations, transcripts, and earnings reports – straight from your pocket. Quartr is 100% free and includes companies from 12 markets including the US, the UK, Canada, India, and all the Scandanavian countries. Quartr is available for both iOS and Android, so check out the app today. ----- Business Breakdowns is a property of Colossus, Inc. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @JoinColossus | @patrick_oshag | @jspujji | @zbfuss Show Notes [00:02:33] - [First question] - What Cardlytics does and their scale [00:06:51] - What happens from a consumer perspective when using their service? [00:08:14] - Numbers around the current scope of the business today [00:08:40] - Comparing Cardlytics to Google and Facebook's advertising models [00:11:01] - History of the company and how they gained access to bank transaction data [00:15:20] - Revenue splits, gross profits, and companies that have had success using them [00:19:23] - Potential risk to the company if banks were to start offering this service in house [00:23:02] - Possible parallels between Visa and Cardlytics as a transaction protocol for banks [00:25:15] - Whether or not brand matters for them [00:26:15] - Lessons learned about network effects and whether or not it applies [00:30:24] - What opportunities excite him about improving the Cardlytics platform [00:35:24] - The role that data and predictive algorithms could play in perfecting the user experience and business scale [00:39:45] - Reasons that Cardlytics could slip and reverse their progress or fail writ large [00:44:17] - What one question he'd like to answer to improve the business [00:46:38] - Lessons he's learned about data privacy building the company [00:47:34] - What is impressive about Cardlytics through the lens of leaders and management [00:50:39] - Whether or not his views on investing has changed in regards to the quality of management over the course of growing Cardlytics [00:51:57] - What they would have to do and where they would have to spend to grow the business over the coming decade [00:54:41] - Neobanks posing a potential threat to the tech stack they've build [00:59:13] - Lessons for operators in building a business when studying Cardlytics' story [01:02:10] - Lessons for investors when studying Cardlytics' story
Michael Akkerman, the Chief Product and Strategy Officer @ Cardlytics, joins me for the final episode of Season 1 of POP to share his views on Product Ops and why he thinks it's a key role in a scaling product organisation. Prior to his current role, Michael served as the Global Head of Partnerships at Pinterest. We talk about how important internal stakeholder management and collaboration is in building and launching products (and how Product Ops can help strengthen this process!). Listen in to find out how Michael sees this function delivering value and what he will do as a CPO to set it up for success. This is a great episode to get a different perspective on Product Ops from a CPO championing the role and looking to hire for it!
This week on Commerce Code we speak with Farrell Hudzik, Executive Vice President, Financial Institutions at Cardlytics, about why fin-techs and banks are increasingly seen as two sides of the same coin.
Venturi's Voice: Technology | Leadership | Staffing | Career | Innovation
Karen Jean-Francois is Analytics Manager at Cardlytics, Women in Data Podcast Host and Producer, Twenty in Data and Technology Awardee 2020. Whilst studying to be a Maths teacher in 2010, Karen fell in love with Data Science and opted for a career change, switching to an MSc in Applied Statistics studying at Université Paris Sud 11. Eight years later she started working for Cardlytics as a Senior Analyst / Manager. Now, as a woman working in data, Karen has experienced the lack of female role models in the industry and keenly supports Women in Data for the quest to change this. Cardlytics is an advertising platform in banks' digital channels. They partner with financial institutions to run their banking rewards programs that promote customer loyalty and deepen banking relationships. They have a secure view into where and when consumers are spending their money. They use these insights to help marketers identify, reach, and influence likely buyers at scale, as well as measure the true sales impact of marketing campaigns. During the podcast episode, Ben sits down with Karen to discuss her interesting route into the world of Data, struggling with imposter syndrome with some advice for how to overcome it, the issues surrounding the Data Science job title, and we hear about what's coming up in Women in Data.
This week, Karen is joined by Swathi Sudhaakar, Director of Product Analytics at Cardlytics. If you are looking to start a career in data science or data analytics or have just started working in the field, this episode is for you. In this conversation, Swathi provides some great insights on the different types of roles and shares what hiring managers are looking for, how to build the right skills and when to apply for a job. On top of that, Swathi touches on the biggest responsibilities of data scientists and analysts, including ensuring projects add value to the business and that the data is not biased. With the approaching reveal of the 20 in data and technology awardees, this episode ends with Angela Lillis talking about her experience as a 20 in data in 2019 at 23”36
This episode is actually barely about FLOCs, which it turns out are one of the least important topics up for discussion in this current transitional era, but look, when we were workshopping titles, there were just dozens of very funny FLOC related ones and we never could crawl out of that rabbit hole. We go birdwatching with Larissa Licha, Chief of Staff + Product + Design + Engineering at NextRoll. Specifically, we kick things off keeping track of the FLOC of bird codenamed Google products that are ruffling the feathers of a great many advertisers. The truth is that while things are presently quite confusing, how worried you should be about the G-Fox depends heavily on how you built your henhouse. Lots of people are clucking a bit much for never even having counted their eggs or sorted their baskets in the first place. All bird jokes aside, Larissa does actual work on proposals for the Google working groups with other companies, such as NextRoll, on actually developing the prospective solutions being put forward to resolve the tension between identity and privacy in online advertising. Larissa's recommendation is to start by identifying your actual existing dependencies on third party cookies and work from there, utilizing any first party data you have to bridge what gaps you can, and then do something like move more towards incrementality-based marketing frameworks, which really you should have been doing this whole time anyway. Larissa used to tell people to turn off her own product if that was what it took to get the incrementality train going, which undoubtedly pleased lots of AdRoll P&L people to no end. We touch on how digital media as a navigational aid is real, and there are situations where last click isn't the worst thing in the entire world, which is the opposite of most of the marketing world, where a bunch of people who have in reality never even done any other kind of attribution in a meaningful way spend their time talking tough about how much they hate Ye Olde Default Attribution Model. The future congress member from Brooklyn by way of Germany speaks at length and in-depth regarding how this really might all be worst for small businesses, and Larissa seems a lot more earnestly concerned than a certain Jessie Eisenberg lookalike who had his scribes pen a humble missive in a local paper. The scale at which many small businesses operate, especially in terms of recording valuable website actions, is simply too small for these new privacy measures in most cases. The group discussed that SMB is a huge opportunity that deserves a new and novel approach from many types of marketing platform. Alas, the average slouch of slugs comprising many enterprise-sized marketing solution teams CAN'T HACK IT! Hopefully some bold new challengers ready to forge their future products in the hot, hot crucible of SMB services emerge soon. Digital media on real TV screens seems very effective as a format, except when it's not. Larissa is never going to buy a car, but can sing the Ford jingles from memory because certain providers neglect to cap frequency. Lee talks about how Hulu in particular is extremely bad about this, and kind of keeps kicking this long-dead horse for a while, despite being a very satisfied customer of the actual video product itself. In fact, he pays extra for that lovely service so he doesn't have to look at the absolute frequency-of-fifty-plus dumpster fire that is the ad product. David worries we'll lose cheap but charming local TV ads. We also talk cashback offers in banking platforms and how they tend to be only big brands, which gives everyone a chance to engage in some very high quality coastal elitism. Atlanta company Cardlytics comes up as the principal purveyor of overdraft notice adjacent temptations, which in Randy's case includes some pretty incredible deals on Golf Digest. Larissa thinks being too margin focused and fearing SaaS pricing holds many ad tech companies out of great opportunities, including those with SMBs.
In this week's episode of Analytics Neat we discuss the NETSCOUT "Threat Intelligence Report" and the Cardlytics acquisition of Bridg on the Undercard. For the Main Event, we review customer centricity and how design thinking can be applied correctly in analytics. All this and more in this week's episode of Analytics Neat. Thanks for listening! iTunes: https://itunes.apple.com/us/podcast/analytics-neat/id1350608276?mt=2 Spotify: https://open.spotify.com/show/2DIz7pDt5IYA2VJ86LbaK3 Google Play: https://play.google.com/music/m/Iaeur7hjizv7s654nbcsfgtxsmq?t=Analytics_Neat Amazon: https://music.amazon.com/podcasts/3f77907d-81b7-46ff-a9cd-12c3c539a2ad/Analytics-Neat Continue the conversation on Twitter with #AnalyticsNeat https://twitter.com/BillBruno https://twitter.com/AnalyticsNeat Visit BillBruno.com
John Kosar, Chief Market Strategist at Asbury Research, joined the podcast this week to discuss different tactical models that can help investors spot and prepare for changes in market behavior. Plus, we take a look at several trade ideas that recently popped up on Asbury’s radar: Loews (L), VanEck Vectors Steel ETF (SLX), Nasdaq Inc (NDAQ) and Cardlytics (CDLX). For the video version, show notes and charts, visit investors.com/podcast.
Cardlytics, Inc., Q4 2020 Earnings Call, Mar 01, 2021
Cardlytics, Inc., Q4 2020 Earnings Call, Mar 01, 2021
John Brown is an experienced technology client manager and operations leader. He is the COO of ParkMobile LLC. Prior to ParkMobile, John served as Vice President of Customer Operations at Clutch Technologies, a software startup acquired by Cox Automotive. Previously, John held several roles in the fintech space, including President of US Operations for Cardlytics and leading a business unit at Fiserv. In addition, John was a consultant at McKinsey & Co. He began his career as an officer in the U.S. Navy aboard a nuclear submarine. In this episode, John shares his experience in years of leading operations and how he dealt with leadership setbacks.
Over the course of more than 230 episodes of Marketing Trends, we have heard from industry leaders about their strategies and tactics, learned from their wins and their failures, and we’ve looked at the future of the industry and made predictions about what’s to come. But no one could have predicted the twists and turns of 2020. In our episode with David Marine, the CMO of Coldwell Banker, he might have said it best:"Everyone has a plan to get punched in the face. And I think on a global scale, everybody's been punched in the face in some way, shape or form over the last couple of months….but I give my team a ton of credit and the ability to pivot. ...if there's a marketing term of the year, that would be it. Because we had to look at what we had, let's not abandoned ship with it, but how does it make sense for today's environment where we can, where we find ourselves?"As David said, everyone and everything changed, and so businesses needed to adapt and make decisions on a daily basis that ultimately would impact their bottom lines. Ultimately, campaigns had to end, messaging had to shift, and the way brands interacted with their customers was different than ever before. Empathy led the way, which Mary Hines, the Chief Marketing Officer, US Consumer at Citi, mentioned when she dropped by the show.“We got together as a leadership team and created a task force to ensure that across everything we do, that we were having the right, appropriate language, tone, and visual imagery in light of this unprecedented time, and to ensure that our offers were relevant. So instead of marketing three times on dining out, which would have really toned us as irrelevant, we shifted to things like restaurant takeout and streaming services — things that were much more relevant to the time. And then recognizing that we were also going into a recessionary event, given the economic impacts, ensuring that we had the right assistance for our customers.”While we are all still living through unprecedented times, one thing remains true: business carries on. Every marketing leader we speak to understands that fact, and they also know that if they want to continue to succeed, regardless of the changing times, they need a plan. They need to know where the market stands, what their customers need, and how expectations are shifting. Basically, they need data. Or, as Dani Cushion, the CMO of Cardlytics said:“If you're not using data to figure out how to make sure that you're reaching people who are receptive to, or have some kind of higher propensity to buy your advertising, you're just still spraying and praying.”There are countless ways that marketing leaders gather and analyze data. One is through the Salesforce State of Marketing and Customer Insights Research Reports. On this episode of Marketing Trends, we invited Chris Jacob, a Product Marketing Leader at Salesforce, to give us insights into those reports, including a deep dive into some of the data that leaders like the ones we bring on this show are using to make decisions about the future of their marketing efforts.Main Takeaways:Taking Your Pulse: In 2020, every person and every industry had to make adjustments. But those adjustments didn’t happen once and then life kept rolling forward. Every day saw different challenges, which meant that consumers and businesses were forced to constantly adapt. In order to stay on top of everything that was happening in the world of marketing, Salesforce was constantly checking in with and surveying leaders in the industry.Zoom Out: When there are so many insights in a report, it’s easy to get fixated on one data point or audience segment, but it’s important to look at the entire picture. If you only focus on, for example, a big shift in how millennials are consuming content, the other segments of your audience may get ignored, which ultimately will impact your bottom line. Take in the whole picture and make decisions based on everything you know. Consistency is Key: Consumers reward brands that maintain a consistent set of values. When the world changes or the needs of the consumer base shift, brands should stay true to the key tenets that they set up for themselves, show empathy, and be transparent with the decisions they are making. Those are the only ways to build lasting trust with consumers.---Marketing Trends podcast is brought to you by Salesforce. Discover marketing built on the world’s number one CRM: Salesforce. Put your customer at the center of every interaction. Automate engagement with each customer. And build your marketing strategy around the entire customer journey. Salesforce. We bring marketing and engagement together. Learn more at salesforce.com/marketing. To learn more or subscribe to our weekly newsletter, visit MarketingTrends.com.
Cardlytics, Inc. - Q3 2020 Earnings Call - Nov 02, 2020
This week on Fin-Tech Friday, Campbell Shaw, Head of Bank Partnerships at Cardlytics, discusses the growth of card-linking and how CLO will be used to drive more holiday spending, especially in e-commerce.
Clifford Sosin from CAS Investment Partners discusses his investment track record, his investments in Herbalife (HLF) and Carvana (CVNA), and then dives deep into his current investment into Cardlytics (CDLX).
Cardlytics, Inc. - Q2 2020 Earnings Call - Aug 04 2020
Every day we make purchases. We choose to buy something at one place and not another. We pick this product over that one. And that purchase data — what we buy and even what we don’t — is extremely valuable, especially to marketers. Dani Cushion is the CMO of Cardlytics, a digital advertising platform that serves some of the largest banks around the world and offers insights into the anonymized purchase data of more than 140 million people. On this episode of Marketing Trends, Dani explains how Cardlytics gathers this anonymous data securely and then delivers it to banking partners to help them build out their cashback offers, rewards systems, and other marketing campaigns. 3 Takeaways: Consumer purchase data is extremely valuable in helping marketers craft campaigns and programs that actually resonate with customers Knowing data is one thing, acting on the information you have and measuring the success of how you put that data to work is the only way to truly drive change How you write matters, Your message has to be human-centric and accessible — if you have to read it twice to get it, it’s way too complicated --- Marketing Trends podcast is brought to you by Salesforce. Discover marketing built on the world’s number one CRM: Salesforce. Put your customer at the center of every interaction. Automate engagement with each customer. And build your marketing strategy around the entire customer journey. Salesforce. We bring marketing and engagement together. Learn more at salesforce.com/marketing. To learn more or subscribe to our weekly newsletter, visit MarketingTrends.com.
You've probably seen ads served by Cardlytics within your digital banking interface, with card-linked offers (e.g. 10% back at Starbucks) matched to your past purchases. New CEO Lynne Laube talks about unlocking relationships with financial institutions, data privacy and other topics.
We’re pleased to be back with another episode of Millennium Live. Joining us virtually is Chief Marketing Officer of Cardlytics, Dani Cushion. As a digital ad platform, Cardlytics reaches over 140 million banking customers, with insights into nearly $6 million in consumer spending. Dani shares how Cardlytics has had an interesting perspective on recent buying patterns, given the disruption driven by the Covid-19 pandemic. She also shares advice for her network of fellow c-suite marketers.
After working for some of the biggest tech companies in the world, Nate Bucholz was ready to leave his Google and Facebook roots behind for something smaller and an opportunity to experiment and move fast. He found that opportunity at Cardlytics, where he serves as the Vice President, eCommerce Partnerships. In this role, Nate and his team are working in new and exciting ways on a platform for an industry that isn’t typically considered new or exciting. Cardlytics works exclusively with banks to build their digital and eCommerce platforms, connect with customers and create rewards programs that lead to mutually beneficial relationships between customer and company. And to do all this, Nate and his team are analyzing troves of data and using technology in unique ways to truly perfect the digital experience for all involved. On this episode of Up Next in Commerce, Nate explains it all, including what data is the most telling and how to utilize said data in the best ways possible while also building and maintaining trust among all parties involved. Key Takeaways: Forget metrics about who and how many people are on your platform and really hone in on where they are laying out their money. Then use that data to decide where your marketing dollars should be spent Using anonymized data, you should isolate data sets and analyze specific behaviors to predict who might leave your platform or service, then create an action that will make them stick around The ROI from purchase behavior insights comes when you change your targeting practices based on the data you collect For an in-depth look at this episode, check out the full transcript below. Quotes have been edited for clarity and length. --- Up Next in Commerce is brought to you by Salesforce Commerce Cloud. Respond quickly to changing customer needs with flexible eCommerce connected to marketing, sales, and service. Deliver intelligent commerce experiences your customers can trust, across every channel. Together, we’re ready for what’s next in commerce. Learn more at salesforce.com/commerce --- Transcript: Stephanie: Welcome back to another episode of Up Next In Commerce. This is your host Stephanie Postles, and today I'm joined by Nate Bucholz. Nate, thanks for coming on the show. Nate: I'm happy to be here. Thanks for having me. Stephanie: Yeah, and where are you in the world today? Nate: I am sitting in my office/guest bedroom in Alameda, California. Stephanie: Yeah, keeping all the kids out as best you can. Right? Nate: The door knob rattles, but it is locked so we should be safe, I hope. Stephanie: We'll see. Yeah, once all this is over, it'll be nice to be able to bring people back to our studio and not have to do bedroom meetings anymore, but for now we'll make it work. Nate: Sounds very scandalous, but yes. Stephanie: It is a little scandalous. So I'd love to hear a little bit about, actually, I want to go back, back background on you. I want to start in the early days because I saw where it led up to, of working at Google, and Facebook, and where you're at now at Cardlytics, and I actually was wondering, I'm like, what is Nate's first job he had because everything else looks amazing. Was he working out on a firm when he was little? What was your first job? Nate: I was a dishwasher at a local restaurant in Lake Oswego, Oregon where I grew up. Stephanie: Oh, that's awesome. Nate: Worked my way up to busboy and waiter at some point. Stephanie: Very cool. Yeah, I think a lot of us started out in those kind of, I was a silverware roller, and so I would just roll silverware for eight hours a day. And I asked to be a hostess and they were like, "No, you can't be a hostess yet. I mean, you're not that senior." Nate: You've got to earn that. Stephanie: Yeah. It was good times. So you went to University of Oregon, right? Nate: I did, yeah. I did my undergrad there and then went on to work in public relations for a little bit. I had the, not so enviable job of getting good press coverage about Windows in Millennium Edition which is quite old now, but it was pretty the bad operating system and that was my first time- Stephanie: Oh, man. Nate: ... post college job. Stephanie: I'm sure you learned how to be pretty scrappy in that job though, don't you think? Nate: Yeah. I mean, there's always something good I think that you can find or an audience for a product if you can find the right one. After that I was in the Peace Corps for a couple of years in Ukraine doing business development and volunteer work. And then I came back for graduate school here in the Bay Area at the hospice and school at UC Berkeley. Stephanie: That's Cool. And then did you head right to Google after that or was there something between? Nate: I did, yeah, there was a brief internship, but after getting my MBA I went on to Google, in a travel vertical, or their travel vertical, I should say, up in the Seattle office. Nate: I was going to say that I was with Google for quite a long time, almost 11 years, and got to move around in a good way quite a bit. So I started out in Seattle and travel, then moved over to our London office for four years where I led a sales team there and so I oversaw the advertising sales for airlines and car rental. And then my wife and I had a son while we were in London and it kind of changed the lifestyle a little bit. We decided to get back to the US, moved back to the Bay Area, in retail-focused industry, mostly e-commerce, for about a year and a half, and then, actually, the last intake Google was in Malaysia where I was in the office in Kuala Lumpur looking after the branding and YouTube partnerships. Stephanie: Oh, wow. Very cool. What was that experience like? Nate: It was great overall, personally, it was amazing. We had this amazing expat lifestyle where our son was in this wonderful private school, we had lots of travel and so forth. Professionally, it was a real challenge, there were some of my, I'd say professional strengths that kind of turned into weaknesses in a different environment. Being quite loud and outspoken, and non deferential, didn't apply necessarily so well in some of the situations over there. But I mean, it was great. It was a good learning. Nate: At the same time my whole career had been and is now, once again, focused on more direct response marketing. And I had jumped not only into a new geography but also into the more brand forward environment working with Johnson & Johnson and Procter & Gamble and kind of the sort of traditional marketing that would have been on TV before, and online now is more about reach and frequency rather than getting people to buy things immediately. So that was also a new world. Stephanie: Got it. So then you quickly decided to head back to your e-commerce marketing type roots and go to Facebook afterwards? Nate: I did. So it was a finite assignment over in Malaysia and when I came back with Google I kind of felt like I was coming back to the same thing that I had left and I wanted to do something different. Facebook offered me a role, very similar but leading the team that that worked with one of their very largest advertisers. And that was more of a product heavy role in terms of working with the product teams to build things that would allow the largest, most sophisticated advertisers to grow their spend more. Nate: It was interesting, there were a couple of things that prompted me to leave. Which one was, it was very similar to Google, which is a wonderful thing, but you're part of a giant machine and it's hard to feel like you have a real big impact. And at the time, though they've changed this and allowed people to work from their San Francisco offices as well. I was commuting down to Silicon Valley from Alameda, which is about an hour and a half each way. So- Stephanie: Yeah. No, thank you. Nate: ... it's kind of brutal. And actually a colleague at Facebook connected me to someone they knew at this company I had never heard of, Cardlytics. It's a ad platform, much like Google and Facebook, except it operates entirely on banking channels. So if you log into Bank of America or Chase, Wells Fargo, one of many, many banks, you'll see offers from different companies for some sort of incentive to purchase like a cashback rewards or something like this. And that's where we operate. Nate: And it's a much smaller company for one so I enjoy feeling like I have a bigger impact, but the common thread through these three companies that they all sit on an amazing trove of data. So Cardlytics can analyze the purchase behavior of about half of the credit and debit card swipes in the US and we're in the UK as well. Stephanie: Wow. That's a lot. Nate: It is. It's amazing. And so I've learned from Facebook and Google that when you've got an amazing first-party data set, then you can kind of get a seat at the big kind of table and so it's a lot of fun to analyze that and see how it can apply to marketing. Stephanie: That's cool. Were there any learnings that you had from Google and Facebook that you kind of brought with you or best practices when working with large brands or a large e-commerce like store owners that you saw where you're like, Oh, a lot of people were doing this and we noticed that was actually the wrong move, or here's some best practices we learned from the top brands that smaller brands could apply, that you maybe brought with you to Cardlytics? Nate: Yeah, I mean, the first thing that I tried to do with my team when I came into Cardlytics was change the mindset about what is big and the impact that we could have. So we'd gone from this really small company to now, there's about 400 employees, and we've been public for about a year and a half, but it's still pretty early, pretty young. And I think a lot of the Cardlytics employees had viewed the going public as, Hey, we've reached the big time and we've made it. And I kind of tried to share this viewpoint of the ad budgets, the marketing budgets that are out there, the potential for growth that I saw at Facebook and Google to really kind of pay them big I would say. Nate: And I also saw that because Cardlytics is a different sort of advertising platform, but a lot of the language was language that we spoke internally and we have kind of impressed that upon the marketing teams and so there was a lot lost in translation. So I think one thing, Facebook and Google have almost been able to use their own language because they're so large, but it's become industry standard and we need to conform to that to make it easy for marketers to make apples to apples comparisons when they're thinking about their budgets and how they spend it. But there's been an evolution. So I started Google in 2007 and at that time it was all about search and it was all about clicks and- Stephanie: And still is. Nate: Well, it is, it got more sophisticated though, you know what I mean? Stephanie: No, no. I mean, I just left, let's see, two years ago from Google and I still feel like they're so heavy on search. Nate: This is true but it was the greatest sales job in the world. I'd go in, I'd say, well, you got a hundred clicks, but your competitive group got 200 clicks so let's go ahead and double your clicks. Here's the budget that'll do that for you. But it evolved, it went to measuring the money that was spent off of each click for example, looking at your conversion rates and getting into the mobile experience, trying to get marketers to catch up to consumers in terms of the fact that everybody was shopping on their phones or a good enough amount of people to warrant some serious attention. Nate: And then moving on over to Facebook, because Google had that first mover advantage of everything being based off of what you see from the click, it was trying to open up people's eyes that there's more than just last click when you look at an attribution model, that there's a lot of influence that happens prior to that. And Facebook always, we always said internally they figured they were undervalued by like 30% because of all this view through attribution that they're losing. Nate: And then ironically getting people to stop targeting so granularly, even though it's possible to let the machine do its work and start doing machine learning, based targeting so that Facebook could open up its inventory more. And I think that the evolution, and I'm definitely biased obviously, these are the moves that I've made in my career, but part of the reason I've made these moves is I see the next stage of marketing getting more and more rigorous about what is actually bringing an impact. This is why it was so hard when I was doing branding work in Malaysia. It was not so much a return that was required, but a reach and frequency, and it didn't really matter how that was gained. Nate: It was just, let's hit a lot of eyeballs a lot of times, and Cardlytics is on a totally other end of the spectrum where it's not even about your interests online. It's just, where do you lay down the money, on what sort of categories, what have you done in the past, what's the basket size and the frequency, and these sorts of things. I think that's a natural evolution of marketing as you get better data, you're able to cut out the waste more and more and get more efficient. At least that's the idea. Stephanie: Yeah. How do you see marketing spend evolving over the next couple of years when it comes to measurement and ROI? Do you think it'll change how people think about things? Like you said, they used to just think about clicks and maybe impressions and then they started niching down a bit and wanting to actually target maybe who their customer is, and where do you see that heading over the next five years? Nate: Five years is a long time to make- Stephanie: I was going to say 10. Nate: Oh, my gosh but yeah. It'll be implanted in my retina somehow in my screen. I think, obviously I'm talking to you now from my guest bedroom and there's this whole pandemic going on. These kinds of catalyst events are what I think make large vector changes in things that would happen slowly over time anyway, right? There's a shift to digital over time. If all of a sudden everyone's TVs had exploded, there would have been a faster shift. And I think that the fact that a lot of marketers have either pulled back their spend or just paused all spend entirely, means that there's going to be a whole new shift when they go back to whatever the new normal is because you're going to look at every channel from a totally fresh perspective. Nate: And obviously things have shifted online more and I have some interesting stats that I can share about that as well. There's been this online shift of people who maybe had never purchased groceries online or maybe they were happy just with their broadband cable and now they're doing all sorts of streaming services, whatever it may be. So I think online is going to benefit a lot as people see that they didn't have such a huge downswing or maybe they didn't notice a big change when they canceled some channels and not others. Nate: But I also think over time, and we were really good selling with data at Facebook and Google to explain why more and more money should be shifted through those channels. And they weren't bad decisions but there are a lot of other marketing channels out there. Obviously, Cardlytics is one on my mind but there are several that have the scale and have the data to challenge some parts of the marketing budgets that have just almost, not mindlessly, but I don't know if they've followed the trends to shift to Facebook and Google. Nate: And so both of those channels have diminishing returns. Like your first audience that you target on Facebook will have amazing ROI and pretty soon you're going to get a look alike audience and pretty soon you're going to just kind of expand it out and the ROI falls as you do that because it's a less rich pool of potential consumers. And it's the same thing with Google, if you think about the keywords and for some reason I use running shoes as an analogy a lot, but that first keyword that says, I want to purchase running shoes today, will have an amazing return if you bid on that. Nate: But there's only so many and if you want to grow, pretty soon you're bidding on tips for healthy lifestyle or something like that. You're still trying to sell some shoes, but it takes a lot more clicks to get those shoes sold. And so one of two main points that we try to make when we speak to marketers is, Hey, listen, you'll be fired if you don't advertise this on Facebook and Google because they're amazing channels and you should use them. But there's a point where just because it's easy doesn't mean you pump more money into those. You need to take the lowest performing set of your marketing spend and see where else you can put it. So that's a lot of the conversations that I'm having these days. Stephanie: So you said you have access or, Cardlytics has access to lots of data and I think right now is a perfect time to wonder what kind of spending habits are happening in this COVID environment? What are the changes occurring? What are people spending on? What kind of info do you have to share around that if any? Nate: I have some interesting info. So we have a great marketing team but what I meant to say was, also we have a great analytics team and no more than a week into this stay at home lock down that most of us are experiencing, they built this dashboard where we're looking at quite granular categories and how the spend is changing year on year, updating every week, looking at all the different DMAs in the United States, and so we can see what happened. And right around the beginning of March, all spend everywhere just plummeted, as you'd expect, online as well. And if you look it's quite a depressing heat map. It's just a red United States with various shades of red. Stephanie: Yeah. As expected I guess, but still sad. Nate: It was sad, it was sad. However, we've seen some interesting shifts and there's some that are pretty obvious, like people shifted to online grocery for example. There are others that are coming in that I think are kind of interesting and you saw where it was quite depressed in the home improvement category for example. And now online for home improvement has gone up like 64% last I saw, and you'd see where there's this trough of people not doing anything and hunkering down and then all of a sudden they start spending on their homes. What happened- Stephanie: Oh yeah. Getting all handy at home. I can- Nate: Exactly. Stephanie: I started looking at things being like, could I fix that? No. But it's a good idea. Nate: Following home improvement was when parents I think started to lose it a little bit and so the online toy purchases and kids' products have gone up significantly. We just bought a small kitty pool to put in the backyard as we realized we can't go anywhere else. Stephanie: Yeah, I bought into that as well. I bought a, let's see, a scooter for my two year old, a lawn mower bubble machine. I'm like, anything that helps, here just take it. Nate: Absolutely. Exactly. So health and beauty has gone up a lot and pet goods up a hundred percent. A lot of that is shifting from offline to online, but that's one that happened almost right away. And so you see, and I guess these aren't surprising, it's following what you'd think of in human behavior, but make sure the kids are occupied and, Oh my God, what if we run out of pet food? And so that's gone up quite a lot. Nate: But I think the bit about online versus offline was a little bit surprising to me, but I suppose makes sense. And lends itself to how I think marketing is going to change, is how it's changed geographically over the United States. So if you look at online spend year on year, it's gone up across the United States, but on the coasts, especially if you think of DMAs like San Francisco and New York, it hasn't gone up as much because I would hypothesize there's not as much change in behavior that's really needed. People are already buying largely online. Nate: If you look at the smaller DMAs, especially the more in the middle of the United States and just smaller city areas, they've spiked a lot more. And so their year on year changes are more toward the high, not high, but mid double digits increases in online spend. So that's one of those catalysts like I mentioned where maybe people were just fine doing their brick and mortar shopping because that's what they were used to and their peers and people around them in their communities were kind of doing the same thing. This has really changed the behavior specifically in these smaller DMAs. And that's where I think after this whole thing is over, you'll see a level rise in e-commerce. Some people will go back to their old behaviors, but I think a lot of them will stick. Nate: And I was reading an article of some, there was a financial article and this guy was, I think he managed a hedge fund or something like this, and he was writing about how shocked he was at how easy online banking was, which is like, well, I've been doing that for a long time, but there's some people that were just stuck in their old ways. And once people realized that it's quite easy to get your groceries delivered online or to do whatever shopping it is online, online banking, we've seen an increase, which has obviously helped Cardlytics since that's our whole platform, is online banking. Nate: But I think those customers, some of them will stick around and the challenge for marketers that we're starting to talk about now is, Hey, if you are lucky enough to see an increase in your category, as soon as things start going back to normal and businesses start opening up in reality, like brick and mortar, how do you retain those customers? And I think that'll be a big challenge for marketers just to hold onto as much as they can of whatever they've gotten from this if they're online already. Stephanie: Is there any advice during that transition of like, here's some ideas of what you could do to kind of keep that clientele? Because I could see you're saying the more urban areas who maybe were not online before, having to use different messaging for them to convince them, this is still the way, which it probably is. Like online banking, whenever my parents were like, I'm headed to the bank to cash a check, I'm like, Duh, why? And they're like, I'm not doing that on the phone they might take my data. And I'm like, okay, go ahead. You drive 15 minutes to go cash your check mom. But is there any different advice that you would give for those kinds of communities who maybe weren't online for certain things before versus other ones that didn't really change as much? Nate: Yeah. I mean, it's going to be, a loyalty marketers are going to be in their sweet spot where that'd assist building that, but there's a lot of companies that we work with that are all focused on customer acquisition, and they're loath I think to spend advertising dollars on existing customers because they already have their access to these customers, whether it's a mailing list or whatever it might be. But the reality is a lot of those emails aren't opened or bounce or for whatever reason. I mean, even Amazon advertises quite a bit with us and just because you have people shopping in one business area doesn't mean that it's easy to get them to shift to another business area. Right? Nate: So what we've been saying is, before these people leave let's anticipate who's likely to leave and we're looking into models for propensity to churn, for example. So we can look at who stops using a certain service or stop subscribing, and then look back at six months and when I say who, this is all anonymized data. By no means do I know you and your bank account. I would know bank account, 5632 or whatever it might be and a whole group of them, but what is the change in purchase behavior that happens leading up to this and then who can we identify that hasn't yet churned but is starting to exemplify that sort of behavior. And so you can start isolating groups that maybe haven't reached this type of loyalty that means they're going to stick around. Nate: And it could be as simple as just analyzing your own data as a marketer and seeing what's the average frequency of purchasing or the spend amount of those who have stuck around for a long time. And then those who are, we call them one and done, right? They try the service because they have some offer and then they're gone. And the people that are still beneath that threshold, whatever it is that you designate, are the ones that you need to invest in and hit up with a message before they go away. Stephanie: Got it. What are your views on how e-commerce is going to change after all this is done? I know that certain people will be doing more things online, some of them might drift back to their old methods. Is there any other things that you see happening or changing for good or are new things coming about over the next year or two after this kind of calms down? Nate: Speaking as just a consumer one thing that's been convenient I would say is, I'd like the ability to go into a store of course, but those that are open, that do curbside pickup and things like this, they all want payment beforehand online, right? So there's no contact between two people. I think I could see a mesh of online and offline happening a lot more frequently where you've already selected whatever it is that you want, maybe you've already made your payments, whatever it is. So that when you go into the store, it's more like an Amazon store almost where you go in and you get your goods and you just leave. Right? Nate: So using technology even in the brick and mortar environment to make a more seamless process and it can allow for maybe fewer lines, better customer service, that sort of thing. I think on the marketing side, e-commerce is nothing new, but I think this shift is going to mean even those that had topical knowledge of things like measuring incrementality or looking at the analytics of their marketing programs, they're going to be forced to dig in even more because it's just going to have a shift in importance and you can no longer be on the surface and do your marketing. I think there's going to be a requirement to dig in a little bit deeper on the numbers and know the impact of your marketing. Which I guess is a natural trend anyway, but as I said I think this will accelerate that. Stephanie: Yeah, completely agree. So you said you have 50% of insight into the spend in the US with people moving to more banking online. Where do you guys project yourselves to be within a couple of months? Do you think you'll have 60%, 70%? What are you thinking? Nate: Well, the percentages is derived from the banks that we have partnerships with. I'd love to say they're nimble and quick to form these agreements, but it takes a long time. But Cardlytics, when I joined, or I guess for most of its history it was this long tail of credit unions, there is something around 2000 financial institutions in our network, but it's a really, really, really long tail. The anchor partnership that we had was Bank of America, and then early last year we brought Chase on as a partner, and then Wells Fargo and later this year will be US Bank. So it will grow but it happens slowly over time. The shift online just means that there's going to be more people who are, hopefully, interacting with these offers and looking a little more closely at their finances and hopefully, using our ad network kind of more regularly I suppose. Stephanie: Got it. How does that partnership work? Because I was reading through that you guys partner with the banks and you run their rewards programs, right? And in turn you have access to the data and all that. Can you explain that a little bit more because it's a super intriguing model, but it also sounds very complicated where I'm like, wait, who's doing what? And so you guys are running rewards programs, and you're doing marketing stuff. How well does all that work? Nate: Yes. So we kind of think of it as three groups that that can benefit. So you've got Cardlytics and we take in advertising revenue, which is wonderful and we like that. You've got the bank and the reason the banks are motivated to do this with us is because they get to offer something to their customers that's a value add. So we call them offers rather than ads, which they are. And so a logo that'll allow you to have say, 10% back if you go and purchase with a certain company. Nate: And from the bank's perspective, they're differentiating themselves from some of their peers who might not offer this. And a customer comes on and says, Oh, well, because I'm a customer of Chase, look what they're offering me, this 10% back or $5 back or whatever it may be. And in fact, when you do get your money placed back into your account, the money comes from the bank. So this is why the average consumer hasn't heard of Cardlytics, because Cardlytics is simply the, I guess the technology behind the platform and the Salesforce to bring on these brands. Nate: And so we will share some of the revenue that we bring in with the banks, but a large portion of what we share goes to the customers. So I think we've rewarded something more than $500 million in these rewards over the course of when the company's been doing this, which is great. And then we retain a portion as well. Stephanie: Okay. Got it. And then how do you take that data that you have access to? What do you do with that afterwards? Nate: Right, so the data, it all remains behind the bank firewall and when we analyze it at all, as I said, is anonymous as far as who it is. But we can look down to spend at a zip code level and we look at category spend and all this. The way we do it is in a couple of ways, primarily it's to target. So we might say, Hey, we know people that like to buy pet food but they've never bought pet food with your company, and we'll show an ad. We can get quite granular with that. We might say someone who did buy from your company six months ago but then hasn't bought since is a lapsed customer so let's target them. Nate: At the end of the campaign a big differentiator is that we'll actually look at the incremental impact of the ad.So we'll do a holdout group, and it's just a test versus control, which is not totally uncommon in marketing, but the difference is we know who's spending the money and who's not spending the money. And so we'll take this holdout group, we'll make sure that the way that they spend is the same as the test group by and large over the past year or so. And then we'll just look at the lift in spend between those who saw the ad and those who didn't, and the idea is that it would take into account anything you're doing on TV, on Facebook, on Google. So at the end of it you can actually say, well, what was the incremental gain that I got for the money that I spent? Nate: And incrementality is tossed around a little bit, but at an analytical level, at a 95% statistical confidence, you can actually see what the impact is of the ad spend, which is kind of the- Stephanie: The goal? Nate: The end goal. Right. And so that's quite interesting, and then I would say the targeting and the measurement are the primary ways that we use the data but we'll also work with some of our advertising partners to show a different business insights. And we can look at where the, if you shifted spend to you, where did it come from and how did that change over time or we can look even at, for brick and mortar companies, we've helped them decide where to open businesses based on where they have low market share and where there's increases in demand and things like that. Nate: I mean, it's almost endless, the possibilities, as long as we are careful about observing our, we don't want to give too much data that anyone would be able to make market decisions or certainly not reveal anything personal about a customer, which we don't have access to any way, the banks scrubbed that before we get that information. Stephanie: Yeah. They know better. So is there any themes that your partners come and ask you guys for help with, like you said some of them asking for where to open a brick and mortar location. Is there a couple of questions where you're like, Damn, we get this a lot, them coming and asking us for help around this or that? Nate: I think a lot of them are curious if their perceptions of market share are real and whether they really are strong or weak in certain areas and we can confirm that for them and help sustain it or change it depending on the situation. I think that's kind of the most common but I'd say also, as far as spend categories, people are curious about who their competition is. And by that I mean it might not be the same type of service. Nate: So if you think about audio streaming, is that a competition for book purchases or is it competition for music streaming? Is it books on audio or is it podcasts or is it music or is it something entirely different? Is it, I don't know, travel or sporting goods or something like that, and so we can actually look at, in a campaign, if you bring over customers, where does their spend decline in other areas? Nate: So for example, on podcasts and books, the competition is share of ear, if you will. So they might decline in how many books that they're purchasing, but actually they'll be more correlated to maybe fewer premium subscriptions for music, as an example. Which makes sense I guess, like there's only so much time you can put something in your ear and go about your business and listen to it whether it's a spoken word or it's music, really makes no difference to the customer. Stephanie: That's great. And how do you guys, you were talking about there's a lot of privacy efforts that you guys make sure when it comes to the bank data or your data, what are some big things you're doing to make sure that data is protected and similar there'll be one question everyone's like, Oh my gosh, Cardlytics has all this data. What are you guys doing to make sure it's protected and used and not abused? Nate: Sure. We take it very seriously obviously, it's something, I remember a same question would come up to me at Facebook and Google. It might be about the customer or it might even be, Hey, you're also working with my competitor. Right? And the first thing I would say then, and I'd say now as well is, look, if we messed up here and did anything wrong, the whole model comes falling down, nobody would trust you, nobody who does business with you. The bank certainly wouldn't partner with us if we weren't responsible. Right? And the banking industry is one of the most regulated that we have in the US, and so there are a lot of safeguards, for one, before we see any data from the banks, the banks are stripping out anything that we could see that would actually tie to us that person. Right? So we don't even get that. Nate: Second, we have to operate behind the firewall so any data that we see about market spend and so forth at a raw level doesn't leave our servers. So we don't actually give that to the marketers. So by the time it gets to the marketer we'll definitely share specific insights, but it'll be trends that are grouped together in terms of people or companies. And so we've got quite explicit guidelines on our data practices that we follow. There's a few different checks and balances I suppose. Stephanie: Got it. That makes everyone feel better I'm sure. But yeah, like you said, Google and the Facebook Store, when you see how much data they have, any other company's no match to that. How do you think about, when it comes to acquiring new customers in your, like to me all the customers you're working with sound much harder than some of the other guests we've had on the show. You know, acquiring normal consumers, you're having to acquire banks and big brands. How do you all go about creating those partnerships and keeping them and keeping those clients happy because I could see banks being hard to keep happy because they're just kind of, some of them anyways are in a different era it feels like, at least some of the banks I work with. Nate: There is a spectrum of the banks that are more or less progressive or more or less digitally savvy. I work on the advertiser side, but we have a great bank team which partners with these guys, our founders, our CEO, they came from the banking environment as well so we kind of speak that language. And I think what we offer is one, there's this reassurance that on the, for example, the privacy side and the data protection that we do well with it. We take it seriously and we haven't breached that trust with any partner before. And then every bank wants to please their customers and retain their customers and you might not always see that in practice, but that's what they want and they're all competing with each other. Nate: So if we can offer a great customer experience where the customer can get some cash back from some different brands and make some money from it. Some banks are more concerned with the revenue share and some would rather plow that revenue share back into the customer rewards, just kind of depends on their approach, but it's a way to help their customers and retain their customers. But it takes a long time to form those partnerships and it's a lot of technical integration as you can imagine. And so once they're formed they tend to stick with it for a while because there's a lot of investing on both sides. Nate: On the advertiser side, I mean, once we get to the point where we've really explained everything, typically they want to advertise with us, but the challenge is one, they've maybe never heard of us so we have to start from zero. Two, we have to explain how we're different than something else, like an affiliate marketing channel or something like that. And then to really figure out if we're worthwhile, you have to dig into the incremental return, which is why I touched on that because we are behind the bank firewall, we're not going to share all the impression data and who your campaign reached exactly on a one to one basis. And so if we don't plug nicely into whatever you formed when you're marketing with Facebook and Google, it's a bit of extra effort and there's a lot of work getting our data scientists together to kind of verify, what we say we do is what we actually do and so there's this rigor that's needed. Nate: Which is why, going back to what I said about the shift that e-commerce and marketing experts having to get more under the hood with what they're doing will benefit us because if you're willing to spend the time on looking at the numbers, we usually benefit. But people are busy and they don't always have the time to do that. Stephanie: Yeah. Do you spend a lot of time training them on, here's some metrics you maybe should look at or here's things that are important that you never considered before, and if so, what kind of things should they be looking at that maybe a lot of them aren't right now? Nate: Sure. Stephanie: Or what data do you give them where they're like, "Ooh, that's good I've never seen that." And you're like, "You should have seen this before." Nate: Yeah, we've kind of got two sets of advertising partners. There's those who don't really want to be bothered with those details, and it's a little frustrating because I feel like there's this wealth of data that they could analyze. They just want to know that they're getting a customer for 20 bucks a pop or whatever it is and they're good. And then there's others who dig in more and tend to eventually become our larger partners and they really want as much data as we'll give them. Nate: And the things that we educate them on, it might be like what their expectations should be on marketing incrementality, like how much bang do you really get for your buck? And when you do bring a customer on, like I said, where is that share coming from? Where are they declining in spend? Because it's rare that somebody just spends more money. Sometimes they do, but not on a frequent ongoing basis, and so where's the money coming from and is your competitive set what you actually thought it was or is it something a little bit different? Nate: And then looking at why people stopped using a product so I mentioned this propensity to churn, which is kind of predicting the future of what somebody is going to do, but you can statistically do this in a lot of cases by analyzing large groups of people who have had this behavioral change in the past and then seeing who else fits that model, has it quite reached the point of stopping their spend. That's something that I think is kind of surprising to some as well. Nate: And we've got a kind of an intro slide that we use where we say, you see these three data points from your customers, once they're on your platform you know what they're doing, but we know everywhere that they're spending their money. And that sheds a lot of light on to the type of person that they are. And the analogy I use in, University of Oregon wouldn't really like this, but I love Oregon Sports and Facebook would look at me and say that I'm a huge sporting fan, specifically Oregon Sports, but I almost never spend any money on it. Right? I do a lot- Stephanie: You're the worst kind of customer. Nate: I'm the worst kind of customer and so there's this discrepancy between kind of your behavior and so a marketer would say, Ooh, let's target him for a lot of jerseys or whatever. Cardlytics would say, no, this guy, he's a cheapskate. He's not going to go and buy- Stephanie: Stay away. Nate: ... anything. Let's get the person who, whatever they do online, they're plunking down their credit card for certain products and so I think that's kind of a different mindset as well. Looking a little differently about how you form your ideal audiences for targeting. Stephanie: Yeah, that makes sense. Do you give them dashboards that they can actually play with or do you kind of give them customer reports based on what they want, and if so, how do you manage those different types of clients. It sounds like a lot of different clients to manage how do you keep track of it all? Nate: Yeah, so it kind of depends on how big the partnership is with us. Right? We haven't really built out our long tail so most of it is pretty white glove service, but by and large, a smaller advertiser will get certainly access to their ad spend, how many clicks, impressions, conversions and all that. And then we'll make agreements as part of a partnership. Certainly if someone makes a commitment to be with us for a year and to be advertising over time, we'll agree to it. Certain analytical, custom analytics is what we call them, and that's jointly determined by our, was really designated by the client themselves, but our analyst team will come in and talk about what we can do and we'll figure out what the problem statement is and what they want to figure out and we'll deliver a customer report. Nate: And then we're starting to develop a dashboard as well which some advertisers have access to. And there you can look at the competitors and the competitor category that you'd like your information on, geographic areas. And then that data is updated periodically and it's limited set of data but it kind of answers on an ongoing basis what the customer analytics might do on a one off basis. So we're moving in that direction, providing more and more insights into the business or we're trying to. There's always a challenge of you've got a lot of data, but making sense of that is another matter altogether so we really try to figure out what the business problem is rather than, it would be interesting to see, and then throwing out a lot of requests. Stephanie: Yeah. Got it. But therefore the other- Nate: But it is pretty interesting. Stephanie: That sounds really insightful to be able to provide that information to them and see how they actually utilize it to change their marketing strategies or product strategy or any of that so yeah, that sounds really cool. All right, so we only have a couple minutes left. At the end of each interview we do something called the Lightning Round, brought to you by Salesforce Commerce Cloud. It's where you quickly answer a question, whatever answer comes top of mind, and you have one minute to provide an answer. Nate: Okay. Stephanie: Let me know if you're ready, and I'll start with the easy ones first. Nate: I'm worried but ready. Stephanie: All right. What's up next on your reading list or audible or podcast? Nate: Yeah. I want to sound a lot more intellectual here, but I've been into C.J. Box as an author and it's like this super fictional reading about this game warden in Wyoming and it's kind of an escapist. Stephanie: Hey, I like those kind of books I feel like I have to read it right now. All right, what's up next on Netflix or Hulu queue? Nate: Netflix. I would like to watch Extraction. Stephanie: Okay. Nate: Yeah. But typically we're watching a lot of cooking shows, we've gotten into that a lot. Stephanie: Any good recipes recommended, [inaudible 00:45:02]? Nate: Mostly they've been focused on restaurants that I can't go to, which is really frustrating. Stephanie: Oh man. Yeah, that's sad. All right, what's up next on your shopping list? Doesn't have to be groceries, it can be anything that you want to buy next. Nate: I've heard about the therapeutic values of pressure washing. I want a pressure washer. We'd go out there and just clean the house. It's part of that home improvement upswing. Stephanie: Yeah. You're that person. We're going to walk by and be like, Nate, take it away from him. He's been doing it for eight hours. All right. The next hard question. So your job is to stay ahead of expectations and your competition. What do you think is up next for e-commerce pros? Nate: I think within the marketing budgets that you're spending, up next is slicing those more and more granularly, and by slicing, I mean looking at the impact of each portion of your marketing, even within the same channel, and figuring out if that can be better employed elsewhere. Stephanie: Great answer. All right, well, this has been a really fun interview. Thanks for coming on the show and see you next time. Nate: It was a pleasure. Thank you very much.
Cardlytics, Inc. Presents at J.P. Morgan 48th Annual Global Technology, Media & Communications Conference, May-13-2020 11:10 AM
Cardlytics, Inc., Q1 2020 Earnings Call, May 11, 2020
On this show we discuss Cardlytics. Find out why Brett gave it a rating of 8.2 and Ryan a rating of 6.6. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/chit-chat-money/support
With the stock up nearly 18% in the last week, Jim Cramer’s checking in with the high-flying RingCentral to make sense of the recent action. Then, Ollie’s stock has been beaten down as of late, so is it finally a bargain at these levels? Cramer’s digging into the company and seeing if now is the time to buy. Plus, Cramer’s turning in his homework on Cardlytics to see if the stock up nearly 440% in the last year has more room to run. Learn more about your ad choices. Visit megaphone.fm/adchoices
After a few years in the doldrums, ad tech companies seem to be doing well. Integral Ad Science has an all new look. And stocks from publicly-traded companies like The Trade Desk, Rubicon Project, Cardlytics and Telaria are, for now, surging. What's going on?
ASBN recently caught up Shannon Johnson, Group President of Financial Institutions at Cardlytics, at the 2019 FinTech South Conference at Mercedes Benz Stadium in Atlanta. Cardlytics is an advertising platform that resides in digital bank channels, giving them a very unique view of customer loyalty and marketing.
It wasn’t long after David Evans arrived inside the CFO office at Cardlytics that finance team members learned that their office surroundings were about to change. Originally domiciled in the less-trafficked–some would say “quiet” side–of the building, Evans wasted little time in relocating his team to more central (and arguably more social) office space. “Physically speaking, if I’m advancing a mantra that my team is a trusted business partner, they need to be visible, and part of that involves the cadence and frequency with which they operate,” says Evans, who believes that finance team members at Cardlytics have perhaps a plus-size opportunity to play a strategic role in the business. It’s an opportunity that becomes more easily grasped when one considers the company’s unique lines of sight. The Atlanta-based company partners with financial institutions (2,000 of them) to run their banking rewards programs that promote customer loyalty, providing Cardlytics with a coveted view into where and when consumers are spending their money. Meanwhile, that view over time has become pools of data, into which the Cardlytics finance team is today known for taking deep dives. “Our team is very much involved with helping to assess those opportunities. And that means assessing the required resources and capital to go after the opportunities where we think that there could be pockets of outsized returns to the organization,” explains Evans. NOW SUBSCRIBE: The Quarterly Digest of CFO Strategic Insight http://bit.ly/2Wfv291 (50 CFO Profiles Every Issue). v291 (50 CFO Profiles Every Issue).
Renegade Thinkers Unite: #2 Podcast for CMOs & B2B Marketers
When it comes to building customer loyalty, Dani Cushion believes that the creativity is in the data. In her role as CMO of Cardlytics, she and her team work under the power of “purchase intelligence,” or the ability to know where your customers are buying when they’re not buying from you. As Dani has learned throughout her career as a marketer, it’s all about defining who is loyal and figuring out why. On this episode of Renegade Thinkers Unite, Drew and Dani discuss why defining your existing loyal customers can help you understand where you’re missing profits, as well as why using insights on aggregated data doesn’t mean creative marketing is dead. As Dani admits, “it ain’t sexy,” but working to have a extraordinary customer experience will result in unmatched loyalty. Get to know your customers by following this advice - listen here. Subscribe on Apple Podcasts - Stitcher - or Podsearch What You’ll Learn “Defining your loyals” is step one in the process of building repeat business Dani explains the importance of “defining your loyals” on this episode of Renegade Thinkers Unite. She shares that one of Cardlytics’ clients earned an additional $6 million in sales, simply because they identified and retargeted a segment of their existing repeat customers. By knowing who your potential loyals are and the problem they’re trying to solve, you can tap into a new area of business. Gathering insights from your data doesn’t equal the death of creative marketing Cardlytics’ success is built on their ability to combine purchase data and creative marketing. In order to build customer loyalty, marketing teams need to use both strategies. Just because you’re aware of your customer’s data does not mean you should stop reaching out to them with engaging and creative marketing stories. Drew and Dani both agree that “the creativity is in how you use the data.” 2 do’s and 1 don’t for CMOs looking to build customer loyalty Dani’s top 2 “do’s” for CMOs seeking a greater ability to build brand loyalty are to always look at the broad picture of loyal customers and to listen to what they’re saying. Without an accurate picture of what your customers want and their past buying habits, you won’t make much progress. She also encourages CMOs to never be scared to try something new. The most innovative marketing strategies to build loyalty only began because someone was willing to take a risk - and that someone can be you! Timeline [0:30] Loyalty and customer acquisition are both essential topics on Renegade Thinkers Unite [1:51] Dani’s Renegade Rapid Fire segment [15:54] The importance of building loyalty into your marketing plan [20:00] Digging into the purchase behaviors for your existing customers [25:35] Using analytical insights to understand customer loyalty [33:13] Dani explains Cardlytics’ in-house loyalty program [37:30] 2 do’s and 1 don’t for CMOs looking to expand their customer loyalty knowledge Connect With Dani: Dani’s CMO press release Connect with Dani on LinkedIn Follow Dani on Twitter Resources & People Mentioned BOOK: “Chesapeake: A Novel” BOOK: “How Brands Grow: What Marketers Don't Know” Connect with Drew http://renegade.com/ On LinkedIn On Twitter On Facebook On Instagram
Our hosts, Simon Taylor, Sam Maule and Sarah Kocianski are joined by great guests in three groups. Group one: Courtney Kelso Senior Vice President at American Express, Samant Nagpal Global Head of Amazon Business Payment Products at Amazon and Mark Heimbouch COO at Worldpay Group two: Shannon Johnson Group President of Financial Institutions at Cardlytics and Ken Lin Founder and CEO at Credit Karma. Group three: Ian Ormerod Head of New Digital Business at BBVA and Matt Loos Senior Product Manager for Global Wholesale Payments in Treasury Services at JPMorgan Chase. First up, we have group one to talk about the American Express and Amazon partnership for co-branded business cards. Amazon Business and American Express will announce the launch of the Amazon Business American Express Card, a tool designed to change the way businesses buy online on October 23. Card Members can choose between cash back or instantly qualify for an interest free payment term to help with working capital or cash flow. American Express and Amazon are thrilled to offer a solution that puts the power of big business into the hands of small business owners. Verifone and Worldpay Introduce EMV-Grade Contactless Solution at Jimmy John’s. Piloting a new EMV-grade contactless payment acceptance solution at Jimmy John’s (a fast food sandwich chain, a bit like Subway, for all our international listeners). By combining Worldpay’s ultra-fast and highly-secure processing services with Verifone’s Engage P400 device, Jimmy John’s will deliver more convenient, powerful and flexible payment options to its customers. Jimmy John’s are the guinea pig/ early adopter for this initiative - combining faster payments and with fast service and fast food. Next we have group two to talk about, Lenders share their underwriting secrets with Credit Karma. Ken broke this news story on the Avant Garde stage here at Money2020 right before our show. Credit Karma CEO Ken believes that within just a few years, computers will help optimize and execute these financial decisions for us. Will cyber risks derail consumer trust and hinder the rise of autonomous finance? Or will advanced data science enable the masses to benefit from the type of specialized financial advice and services previously only available to the super rich. Finn AI closes $11 Million Series A financing. Finn AI today announced it has completed a $11 Million Series A financing round. The new funding will be used to support the growth momentum underway at Finn AI across North America and Europe. The financing will allow Finn AI to enhance enterprise tooling and extend its core product to support additional banking and personal finance capabilities for existing customers including ATB Financial, Bank of Montreal, Banpro Grupo Promerica, Commonwealth Bank, and Fidor Bank. Finally, we have group three to talk about, JPM’s blockchain announcement. J.P. Morgan Interbank Information Networks expands to more than 75 banks. Sept 25th - announced the expansion of its Interbank Information Network (IINSM), the first live blockchain service offered by the firm. More than 75 banks have signed up to be part of IIN, the largest number of banks to join a live application of blockchain technology. IIN, launched as a pilot in 2017, minimizes friction in the global payments process, enabling payments to reach beneficiaries faster and with fewer steps. Using blockchain technology, IIN reduces the time correspondent banks currently spend responding to compliance and other data related inquiries that delay payments. BBVA launches Open Banking platform in the US. BBVA has officially launched its Banking-as-a-Service platform in the US, using APIs to let firms offer their customers financial products without having to take on fulling banking themselves. While PSD2 is driving open banking in Europe, BBVA is taking a proactive approach in the US. Operating its Open Platform in beta for six months, allowing third parties that pass security and compliance checks to access, through APIs, a range of the bank's services. And finally, A day in the (improbable) life of a banking exec. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com This week's episode was written and produced by Laura Watkins. Edited by Michael Bailey. Special Guests: Courtney Kelso, Ian Ormerod, Ken Lin, Mark Heimbouch, Matt Loos, Samant Nagpal, and Shannon Johnson.
Holly Froum, Bloomberg Intelligence Consumer and Industrial Litigation Analyst, andCharles Whitehead, Professor at Cornell Law School, discuss the risks of Tesla going private and how the board should handle CEO Elon Musk. Zach Gast, Global Head of Research at CFRA, explores President Trump asking the SEC to study the idea of companies reporting earnings every six-months rather than quarterly. Scott Grimes, CEO at Cardlytics, and Jenny Surane, Bloomberg News Finance Reporter, talk about how banks use personal data for marketing. And we Drive to the Close of the market with David Dietze, Chief Investment Strategist at Point View Wealth Management. Hosts: Jason Kelly and Taylor Riggs. Producer: Paul Brennan Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
Holly Froum, Bloomberg Intelligence Consumer and Industrial Litigation Analyst, andCharles Whitehead, Professor at Cornell Law School, discuss the risks of Tesla going private and how the board should handle CEO Elon Musk. Zach Gast, Global Head of Research at CFRA, explores President Trump asking the SEC to study the idea of companies reporting earnings every six-months rather than quarterly. Scott Grimes, CEO at Cardlytics, and Jenny Surane, Bloomberg News Finance Reporter, talk about how banks use personal data for marketing. And we Drive to the Close of the market with David Dietze, Chief Investment Strategist at Point View Wealth Management. Hosts: Jason Kelly and Taylor Riggs. Producer: Paul Brennan
In London, David M. Brear, Simon Taylor, and Sarah Kocianski were our hosts, joined by: Marieke Flament, European Managing Director and CMO of Circle, Simon Vans-Colina, Engineer at Monzo, and Daniel Hegarty, CEO of Habito. Over in Atlanta, Sam Maule and Doug Bobenhouse are joined by three pairs of guests: Rob Frohwein, CEO of Kabbage and Shannon Johnson, Group President of Financial Institutions at Cardlytics; next up was Kathryn Petralia, COO and Co-Founder of Kabbage, and Andrew Morris, Chief Content Officer at Money20/20; rounding out the show we had Howard Bush, Principal on Industry Experiences and Banking and Capital Markets Lead at Microsoft and Ginger Schmeltzer, Owner and Principal at GDS Advisors, LLC. Coming on to incredible music and an epic trailer we kick things off with insight into challenger banks. The UK’s digital banks may be profitable sooner than you think Monzo, Starling and Tandem all expect to have hit profitability by 2020 or sooner. The panel examines if Monzo can hit profitability so soon given losses quadrupling recently, Starling's profitability from new revenue streams like business bank accounts and marketplace partnerships, and Tandem acquiring 250K customers since the start of 2018. Next up Starling Bank ditching the purple for a new set of cards, cards for the bank's consumer accounts will be teal, while its business accounts will be turning navy blue. And all cards are portait. Just by like we have Megan Caywood of Starling fame in the audience to show it off. We move on to Snapchat shutting down Snapcash and giving the space over to Venmo. Snapchat will abandon the peer-to-peer payment space on August 30th. The service was powered by Square Cash. Snapcash gave Snapchat a way to get users to connect payment methods to the app, which were vital to the company’s aim to become a commerce platforms where you can shop without leaving the app. Launched in 2014, ahead of Venmo and Zelle but has ultimately lost customers to both companies. And finally the London team takes a look at what happened to celeb-endorsed cryptocurrencies. Heading over to Atlanta Doug and Sam kick things off with Rob Frohwein and Shannon Johnson on Uber and Venmo partnering to deliver a new payment experience. The four discuss Uber and Venmo are partnering to deliver a seamless new payment experience available with Uber and Uber Eats. More than 6M payments on Venmo mentioned “Uber” in their description over the past year, how big a deal the partnership is, how important it is that Venmo is offering bank-like solutions without being a bank, and Venmo's security. Next up, Kathry Petralia and Andrew Morries walk on stage to a great deal of applause, to discuss Facebook Google and others uniting to let customers transfer data between apps. They take a look at whether this is a bonus for start ups, what it means for privacy and data security and why Apple is conspicuously absent from this initiative. Howard Bush and Ginger Schemltzer are on stage next to discuss VISA MoneyGram and Visa Team preparing to deliver real-time global P2P, whether it's a digital and mobile payment option targeting milennials, if cash is still king, why the plan is starting with Mexico and the Philippines and where they'll go next. And finally the panel takes a look at a woman driving through the streets of South Korea and leaving $14,000 worth of cash in her wake. All this and so much more on today's very special After Dark episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com. Find us on Twitter using #AfterDarkVI to get the latest on what’s happened and what people thought. This episode was written and produced by Laura Watkins and Petrit Berisha. Edited by Michael Bailey and Holly Blaxill. Special Guests: Andrew Morris, Daniel Hegarty, Ginger Schmeltzer, Howard Bush, Kathryn Petralia, Marieke Flament, Rob Frohwein, Shannon Johnson, and Simon Vans-Colina.
At a recent Technology Executives Roundtable event, executives from four of Atlanta's marketing tech companies — Arke Systems, Cardlytics, Insightpool and Salesfusion — came together to discuss marketing and sales today. Tune in to find out the key take-aways from their discussion.
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