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.
CDLK Banking Suite
A wide range of innovative solutions put to different use cases for the bank.Customer Loyalty ProgramProvide personalized and automatic rewards via bank cards. Customer Insight & CRMDevelop an intelligent segmentation through the analysis of consumer behaviour. User experience Digital bankingEase online bank statement consultation, with a 100% automatic categorization. Marketing Report for MerchantsProvide specific performance indicators (KPIs) with a comparative view in the trade area.
PDMP: Payment Data Management Platform by CDLK
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 transitionsOur 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.
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...
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.
"E-Banking & M-Banking"
"The Bank of the Future"
The Hub of
France's official innovation Cluster
for the financial industry
French Fintech Association