Finance & FinTech
Card-linked offers, embedded finance and card issuing —
three new revenue lines for banks and fintechs.
One platform behind three revenue lines: value-added services your merchants will pay for, a merchant-funded rewards network you own outright, and subscription pricing for your own financial products.
The cardholder loyalty challenge
Cardholders expect real rewards — not points that go nowhere.
Banks and FinTechs that win cardholder loyalty are moving beyond points to instant, tangible cashback — tied to spending behaviour and merchant networks.
70%
of customers say rewards from their financial institution directly influence their spending decisions¹
3×
higher feature adoption for banks that integrate behavioural cashback rewards into their app experience¹
$22B
projected cashback spend in the UK alone by 2029 — growing at 11.3% CAGR as cardholders demand instant value¹
20%
more likely to spend more when cardholders receive personalised reward offers from their financial provider¹
Why financial institutions choose CRM.COM
Merchant-funded cashback on every card transaction
Real-time purchase-to-promotion matching — rewards credited instantly to the cardholder's wallet with no terminal changes and no manual steps.
White-label eWallet, aligned to PSD2
Issue multi-currency eWallets with IBAN accounts, virtual and physical cards — OTP-secured, EMI-grade infrastructure, ready for your brand.
Conditional cashback linked to product goals
Drive product adoption with milestone-based rewards — cashback for opening accounts, hitting repayment streaks, or switching to digital banking.
B2B merchant network & partner commerce
Connect 1,200+ merchant partners, run peer-funded promotions, and let suppliers sponsor offers — expanding your loyalty ecosystem without operational overhead.
1 Based on aggregate performance data from CRM.COM customers and global stats. Results may vary.
WHO IT’S FOR
Driving FinTech revenue across three revenue lines.
Three revenue lines, three very different buyers, one platform behind all of them — value-added services acquirers sell to merchants, a rewards network banks own outright, and plan-based pricing for a fintech’s own products. Built to grow repeat revenue, not just card spend.
A portfolio of merchant services, sold without building any of it
eGift issuance, cashback programmes, account-to-account top-up and wallet acceptance — sold to the merchants you already have, without building any of it. Corporate employee allowances turn a company onboarding onto your platform into merchant volume.
Awards on transaction value, with SKU-level offers on top
Works out of the box on transaction value; SKU-level targeting goes beyond conventional card-linked once a merchant connects its POS. Dual-funded, self-settling.
Real plan tiers, with rewards built inside them
Entitlements, proration and dunning — the same engine that runs telecom and media plans. Rewards live inside the tier, not bolted on beside it. B2B plans as well as consumer ones.
CRM.COM × AI
Personalisation, at cardholder level.
Our AI reads each cardholder's actual behaviour — merchant mix, frequency, basket, timing, how they responded last time — and selects the offer most likely to move them: which merchant, what amount, what moment. One campaign configuration becomes thousands of individual offers, and it triggers on the signals that precede attrition rather than on a calendar.
EMI-grade eWallet
White-label eWallet with multi-currency IBAN for financial services.
CRM.COM’s eWallet fully conforms to EMI regulations as published by the European Central Bank and is aligned to PSD2. Support multiple funding sources, IBAN accounts, virtual and physical card issuance — secured with OTP authentication.
- Multi-currency wallet with IBAN account creation
- Virtual and physical card issuing
- OTP-secured payments across brand and affiliate outlets
- KYC-aligned transaction types and fee management
card-linked Promotions
Merchant-funded cashback that drives card spending.
Introduce sophisticated card-linked offers to your cardholders. Customer purchases are instantly matched to available merchant offers — rewards credited directly to their wallet with no card terminal changes, no manual steps and no lag.
- Real-time purchase-to-promotion matching
- SKU-level targeting — beyond amount-based card-linked offers, matched to actual basket, brand or product category
- Fully or partially merchant-funded cashback
- Instant wallet credit — no terminal changes required
- Segmented offers by merchant, time, product or cardholder tier
Gift Cards & Stored Value
Modern gift cards that boost loyalty and merchant revenue.
Let customers buy, top-up and spend physical or digital gift cards across your merchant network. QR code redemption at the point of sale makes gift cards frictionless — driving footfall, increasing basket size and extending your brand reach.
- Physical and digital gift card issuance
- QR code redemption at POS — no terminal changes
- Top-up and balance management via app or web
- Multi-merchant acceptance across your partner network
FinTech Product Promotions
Conditional cashback linked to financial product objectives.
Drive specific financial product adoption with conditional cashback rewards. Award customers for opening accounts, meeting loan repayment milestones, hitting transaction thresholds or switching to digital banking — turning product goals into loyalty moments.
- Cashback for product sign-ups — loans, cards, eBanking
- Milestone-based rewards — repayment streaks, transaction counts
- Time, day and outlet-targeted promotional triggers
- Configurable award amounts — fixed value or percentage
B2B Partnerships
Grow your financial ecosystem with wallet-powered B2B partnerships.
Unlock new revenue streams by connecting with peer businesses through CRM.COM Business Communities — joint promotions, B2B marketplace access and wallet-powered partner billing, all settled automatically.
- B2B Marketplace. Bundle products and services from peer businesses into your catalogue — expand your offering without operational overhead.
- Affiliate Commerce. Let suppliers create and sponsor offers for products you sell — adding extra value for cardholders at no extra cost to you.
- Commerce Pools. Publish commerce pools of products or services — letting other businesses reward their customers or employees with your financial products.
- Wallet Authentication. CRM.COM Wallet acts as the customer identity for B2B platform onboarding and seamless B2B charge settlement.
Success story
Eurobank Greece rewards €250M+ in cashback awards since €pistrofi's launch
Eurobank built €pistrofi, its bank loyalty programme, entirely on CRM.COM — turning card spend into the reason cardholders choose Eurobank first at checkout.
Eurobank needed its card to be the one cardholders reach for first — even when they're carrying several — and to scale rewards across millions of users without the cost of a blanket discount scheme eating into margin.
CRM.COM powers €pistrofi, Eurobank's merchant-funded cashback programme — auto-enrolling every cardholder at card issuance, crediting real-time rewards at the point of sale, including SKU-based offers and Aegean Miles+Bonus conversions. In early 2026, the same programme also launched in Cyprus.
€250M+ in cashback awarded since 2008, across 4M+ enrolled cards and 8,900+ merchants — with up to 20% cashback on promotional offers and 100+ campaigns run every year.
Other industries
CRM.COM across five industries.
The same platform, purpose-built for the specific billing and loyalty requirements of each vertical.
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card-linked offers programme?
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