We draw insights into consumer purchase data directly obtained by leveraging customer’s card transaction history, geographical location, search history and purchases of peers. These whole-wallet insights spanning across all categories and geographies, give a wholesome view of where and how much the customers spend. This enables merchants to target customers, customize campaigns, optimize ad-spend (increase ROI) and measure campaign performance with competitive benchmarking. For banks, there is a significant customer stickiness factor involved by playing an important role in non-financial ecosystem and hence, offering services extending beyond traditional banking products. In this setup, banks provide relevant deals and offers (using our recommender engine) to its customers through various banking channels. By analyzing terabytes of transactions, our recommender engine allows consumers to see the deals/offers catering to their interests. Our technology also enables card-linked offers (CLO) making the redemption process seamless and automated.