CDLK transforms
payment data into
new banking services.

At CDLK, processing transaction data from the credit cardholder-retailer “ecosystem" forms the core of our business. From this enriched data, we provide banks with software solutions to meet their digital transformation needs.
Find out more in video.

PDMP: Payment Data Management Platform by CDLK

Payment Data Management Platform

The Smart Data solution at the service of digital banking.

The processing and the enrichment of collected payment data is a prerequisite to any new implementation provided by CDLK.

CDLK assists banks with their digital transitions

Our solution provides a holistic approach to forge deeper client loyalty. By investing in innovation to analyse payment data, digital banking sets out to achieve a higher rate of client retention and an increase in revenue with upgraded operational cost oversight.


Testimonials« To launch our cashback program in less than 4 months, only the CLO solution developed by CDLK allowed us to simultaneously address the technical, legal and marketing challenges. »

Stéphanie Vuillemin Marketing Manager Retail Banking, Société Générale

In November 2019, Société Général launched a new cashback reward program in France. What were the challenges around this launch ?

The service « Cashback Societe Generale », rewarding bank card purchases, is in line with our bank's relationship model which provides added value to its clients. For its implementation, our teams had identified a number of technical, legal and marketing challenges. Regarding the solution to be adopted, we had strong requirements, especially in terms of reliability, performance and agility.

What were the reasons leading you to choose the CLO solution developed by CDLK ?

In this context of innovation, we were looking for a cashback solution that was both efficient and also approuved within the French market ecosystem. More specifically, the reasons for choosing CDLK were mainly the following :

  • to offer cashback rewards regardless of the mode of purchase: in store, In-App or online;
  • to guarantee a very rigorous process of tracking expenses in partner stores;
  • to have the choice of an IT solution available on premises or full SaaS, with the guarantee of reversibility;
  • to be able to activate new features such as adding personalized offers

At the launch, we finally opted for the SaaS mode, which allowed us to deploy the solution within less than 4 months...

Testimonials« CDLK's expertise in the field of Card-Linked Offers (CLO) allows LCL to constantly innovate, thanks to a true spirit of partnership that we have built over the years... »

Frédéric Lapeyre General Manager CityStore LCL

Since the launch of Avantage+, the Cashback program released by LCL in 2015, you have kept using the CLO solution developed by CDLK. What are the key learnings you might share about this partnership?

LCL worked closely with CDLK to be the first french card issuer adopting the very innovative Card-linked offer solution. This allowed us to make the following observations about what CDLK has been able to demonstrate:

  • rigour and reliability required to ensure operational excellence;
  • ability to match high data volumetry while ensuring strong overall performance metrics;
  • capacity to conduct and release in time the new version of their software solution, with wished or required evolutions mapped out together, to properly support the LCL Cashback service promise.

Overall, the expertise provided by CDLK allows LCL to constantly innovate thanks to a very productive partnership spirit we have been able to build overtime.

Mid 2019, LCL launches "LCL CityStore", a full redesign cashback platform in replacement of Avantage+, the former CLO program. What are the objectives of this evolution?

This new service aims to effectively match with merchants needs and cardholders expectations. Therefore, the new platform has been designed to:

  • cope with a much larger scope in term of subscribers numbers and transaction volumes;
  • offer a powerfull display model to merchant offers;
  • be fully integrated into the LCL website and mobile application.

In this context of transformation, LCL has decided to entrust an extended scope to CDLK, which becomes the exclusive external provider of our platform. Roles and responsibilities are clarified for a more efficient and simpler operational mode.


Banque & Innovation 2018

"E-Banking & M-Banking"

PayFORUM Awards 2018


Banque & Innovation 2017

"Big Data"

Cartes Innovantes 2015

"Fintech Innovation"

Réseau Entreprendre 2014

"Creation Start-up"

Start-up Days2013

"The Bank of the Future"

Member of the ACSEL

The Hub of
Digital Transformation

Member of Finance Innovation

France's official innovation Cluster
for the financial industry

Member of France Fintech

French Fintech Association


No-SQL Technology


Alliance Partner