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Insights, guides and stories on card-linked offers and loyalty.
Insights
Analysis and market views on loyalty and card payments · 8 articles
Where GCC Fintech Loyalty Is Heading: Six Trends to Watch
Instant payments, super apps, open banking and AI are reshaping how GCC banks reward customers. Six trends, and what they mean for card issuers.
6 Reasons Merchants Say Yes to Bank Card-Linked Offers
For merchants, bank offers programmes are a practical way to find new customers and fill quiet hours. Here are the six reasons they sign up, and stay.
The Economics of Top of Wallet for Card Issuers
Being the default card is worth far more than any single transaction. This piece breaks down where the value comes from and what it is worth paying to win it.
AI Offer Targeting Without Being Creepy: A Practical Balance
Personalisation makes offers useful. Overreach makes customers uneasy. Here is how banks can use AI to rank offers in ways cardholders appreciate and trust.
Five GCC Card Market Trends Reshaping Loyalty
Contactless habits, digital-first customers, open banking and fast-growing tourism are changing what cardholders in the Gulf expect from their banks.
The Economics of Card Loyalty: Where the Money Really Goes
Loyalty is one of the biggest line items in a card business, and one of the least examined. A clear look at the costs, the returns and why funding models matter.
7 Reasons Cardholders Ignore Generic Offers (and What to Do Instead)
Most bank offers pages are scrolled past, not used. Here are the seven most common reasons, and the practical fixes that turn offers into habits.
Why Card-Linked Offers Beat Points for Modern Card Issuers
Points programmes made sense when cardholders had few choices. Today, instant, relevant value at the moment of spend wins, and card-linked offers deliver it at a fraction of the cost.