CLO Accessory Edmund D Puckhaber President amp COO Thanks Again LLC Ed is the cofounder of the Thanks Again rewards program He served as an Assistant V ice P resident at Wachovia Bank from 19941998 and a ID: 935493
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Slide1
Account Linking: The Ultimate
CLO Accessory
Slide2Edmund D. Puckhaber
President & COO, Thanks Again, LLC
Ed is the co-founder of the Thanks Again rewards program.He served as an Assistant Vice President at Wachovia Bank from 1994-1998, and a Vice President at ABN-AMRO Bank until 2001.
Introductions
2
Ester Shin
Head of Operations, Pentadata Inc.
Ester
manages Operations and Business Dev. for Pentadata.
She previously
served as Vice President, Chief of Staff, and Head of Member Services for the Digital Commerce Alliance (formerly known as the
Cardlinx
Association)
Slide3Traditional Card Linking
Consumer Links
Credit Card to a Merchant Funded Loyalty Program
Consumer Makes
a Purchase at a Participating
Merchant Location
Real Time
Notification of
Purchase is Received
Consumer is
Rewarded for
their purchase
3
Slide4Account Linking
4
Consumer Links
Account (Credit or
Debit) to Fintech
Platform
Consumer Makes
a Purchase at a Participating
Merchant Location
Near Real Time
Notification of
Purchase is Received
Consumer is
Rewarded for
their purchase
Slide5Account Linking – Continuing the Card Linked Story
5
Consumer Targeting/Re-targeting Data
Offline Measurement / Attribution for Offers
Consumer Links
Account (Credit or
Debit) to Fintech
Platform
Consumer Makes
a Purchase at a Participating
Merchant Location
Near Real Time
Notification of
Purchase is Received
Consumer is
Rewarded for
their purchase
Slide6≈
Additional
Account Linking Use Case Possibilities
Data
Signals
Secure
A.I Built-In
A.I Built-In
Instant Access
Interest Prediction
Statements
Location Targeting
Back Account Balance
Spending Analysis
ACH
Merchant Category Classification
Bank Owner VerificationIncome EstimateAccount HistoryBillsRental Payments6
Slide7Pentadata Real World Application Use Case
Slide8Thanks Again – Company Overview
8
4+ MillionMembers
15+ Years
Card Linked Offers
Multiple
Platform Iterations
“Traditional” Card Linking
(2006-2020)
Account Linking
(2020-Present)
Merchant Data (TSYS)
Payment Card Network Data (AMEX/VISA/MC)
Banking Data Portability Platform
(Pentadata)
Slide9Post Login, User Clicks “Link Card Account”
9
Slide10Next,
User Accepts Consent to Access Account
10
Slide11User Chooses a Financial Institution
11
Slide12User Enters Banking Credentials*
12
* Neither Thanks Again nor Pentadata have access to banking Usernames / Passwords
Slide13User Can Review Linked Accounts in Wallet*
13
* Users can easily remove accounts by clicking on the “X”.
Slide1414
W. Edwards Deming
In God we trust,
all others bring data.
”