Cardlytics Inc (Cardlytics) operates a commerce media platform within financial institutions (FIs) digital channels. It is a financial media network within digital banking channels such as online and mobile applications to provide targeted advertising and consumer rewards based on purchase data. The company established a strategic partnership between the banking and marketing industries to facilitate the development of the Cardlytics platform. It offers various platforms, including the web, mobile applications, email, and various real-time notifications.

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Cardlytics’s R&D arm focuses on improving existing solutions and developing new ones. The company’s research activities aim to scale the business and expand operations. As of December 2025, Cardlytics had 18 issued patents relating to its software. In FY2025, the company incurred an expense of US$39.8 million on R&D, which has a percentage of revenue stood at 17.1%. As of December 2025, the company had 95 employees in R&D.