Customer Loyalty

How they do it: Payback provides a multi-brand loyalty and couponing program which allows customers to electronically collect rewards for qualified purchases with a large amount of partner shops both online and offline.

Digitization

How they do it: Payback’s multi-brand loyalty and couponing program is a digital loyalty program. Customers can access coupons and rewards online from their computer or smartphone.

Layer Player

How they do it: Payback specializes on giving its business customers a multi-brand loyalty program. The participating business come from a wide range of industries such as electronics, media and FMCG.

Leverage Customer Data

How they do it: Payback utilizes its cross-store customer purchasing data to target its coupon and advertising offerings to the individual customer. In addition it can use the data for large scale data analysis, providing its business customers with insights into their target groups and their purchasing behaviour.

Two-sided Market

How they do it: In Payback’s case the two groups of customers in the two-sided market a the private consumers and members of the loyalty program and the vendors who reward their customers purchases. Payback itself has access to the individual customer data and can earn money from the businesses participating in their program.