Investor Day 2013 (London, UK): Cardlytics at the Halifax

2. CARDLYTICS AT THE
HALIFAX
Charles Humphreys
October 1, 2013

3. • Managing Director at Cardlytics UK
• Prior to Cardlytics, member of the Management Team
at Nectar, latterly as Director of Business Development
and previously managing Nectar’s Client relationships
as Commercial Development Director
• Before joining Nectar in 2002, formerly a consultant
with McKinsey & Company in London
• Holds a degree in biochemistry from the
University of Oxford
INTRODUCTION
3
Charles Humphreys
MANAGING DIRECTOR, CARDLYTICS UK

4. CARDLYTICS IS THE GLOBAL LEADER IN THE
EMERGING FIELD OF CARD-LINKED MARKETING
4
• Minority equity position taken in 2011
• Real-time marketing and analytics platform
• At scale in US through partnerships with 400+ financial
institutions including Bank of America
• Aimia and Cardlytics launched proposition in UK in
September with Lloyds Banking Group with their
Halifax brand

5. DEMO USING LIVE HALIFAX/BACKUP LLOYDS
ACCOUNTS
6

6. DEMO USING LIVE HALIFAX/BACKUP LLOYDS
ACCOUNTS
7

7. 8

8. CARDLYTICS MODELS BALANCES THE NEEDS OF
THREE CONSTITUENTS
Financial Institutions Customers Retailers, Service
Providers & Brands
Revenue-producing
rewards solution
Highly relevant
and easy savings
Profitable new media
to drive sales
+ + +
9

9. CARDLYTICS DELIVERS VALUE TO FINANCIAL
INSTITUTIONS IN FOUR KEY AREAS
Rich rewards
at no cost
• Customer rewards fully
funded by advertising
retailers, restaurants
and brands
Increased
card spend
• Ability to earn
rewards brings card
to “front of wallet”,
leading to increased
credit and debit
card usage
Customer
engagement
and retention
• Increased frequency
of customers log on
to online and mobile
banking
• Increased retention
rates from customers
who redeem offers
Customer
acquisition
• Cardlytics-powered
programmes become
core part of financial
institutions product
strategy
10

10. CARDLYTICS BRINGS CONSUMERS RELEVANT, TARGETED
OFFERS FROM REGIONAL AND NATIONAL ADVERTISERS
11
Service &
Entertainment
Providers
Restaurants Major Retail

11. PROVIDING ADVERTISERS WITH UNMATCHED
MEASURABILITY THROUGH TRANSACTION DATA
12
Segment
Customer
Reach
Campaign
Revenue
Incremental
Revenue
Percent
Incremental
Total
Investment
ROAS
A – Growth 500,000 $150,000 $150,000 98% $57,785 250%
B – Growth 600,000 $400,000 $375,000 94% $115,505 325%
C – Switchers 3,800,000 $4,000,000 $2,750,000 75% $670,426 410%
D – New
Customers
5,000,000 $500,000 $500,000 98% $134,851 370%
Total 9,900,000 $5,050,000 $3,625,000 79% $978,567 370%
Category Spend Incented Spend Unincented Spend
Pre-campaign Spend
Campaign Spend Post-campaign Spend
Long Term
Value
Campaign
performance