The challenge

At Krowd, we understand that in today’s competitive economic climate, increasing customer loyalty, whilst building diverse and sustainable revenue streams is vital for Banks, Retailers and Acquirers.

The solution

Krowd enables retailers to define, bid and deliver hyper personalised offers to consumers at scale.

Krowds innovative approach introduces a new revenue stream for Banks, supported by on-prem deployments and performance orientated metrics.

Issuing Banks

Krowd can increase the effectiveness of loyalty programs and garner deeper customer engagement with Krowd’s industry first bidding platform that securely monetises transaction data to generate new revenue streams.


Krowd’s platform harnesses transaction data from banks to deliver measurable marketing campaigns at scale across multiple geographies both online and offline.

Retailers can

  • Gain new insights into consumer spending behaviour

  • Send hyper targeted offers to acquire new customers

  • Increase revenue on existing customers

Aquiring Banks

Krowd’s loyalty solution increases consumer card spend, total card spend whilst streamlining the payment experience for Merchant acquirers.


Up to 75% reduction in
customer churn

Up to 18% increase in
consumer spend

30X ROI on
ad spend


At Krowd, we achieve hyper-personalised high-fidelity choice curation using our proprietary AI technology which is perpetually trained over a wide variety of data classes ranging from public data sets to users' transaction logs.

These innovations feed into our proprietary deep learning-based recommendation platform which help unlock revenue pockets not possible using traditional ML based techniques, and finally, enable an ad auction platform geared towards the CLO industry.

Our broad experience with different classes of user data helps us perform massive transfer learning and maintain a large cache of specialised custom features.

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