Using proprietary deep learning and artificial intelligence algorithms, Krowd combines card transaction data with data from third-party sources to predict consumer reaction to merchant offers. The company’s Offer Bidding Marketplace (OBM) for card-linked offers lets merchants bid on cardholders in real time, allowing for a campaign that can target for new or existing customers, age, gender, budget, offer level and offer conditions. The company’s technology supports traditional offers but also high-frequency and high-reward (food and beverage, health and beauty) offers. These offers are ...