Opti connects merchants, banks and credit card products. We match merchant-funded offers to the cardholder segments most likely to use them, so banks drive card engagement and merchants win customers who actually spend.
ONE PLATFORM, THREE WINNERS
Offers today are mass-blasted and poorly targeted. Opti uses spend behaviour to make every offer count for everyone involved.
Receive ranked, explainable offer recommendations by card product and segment. Review, edit and approve before anything reaches your customers, then market seamlessly through your own channels.
Create offers once across stores and categories. Reach cardholders whose spending pattern fits your ticket size, and pay strictly when an offer is redeemed.
Fewer irrelevant promotions, more curated rewards at places cardholders actually shop, at spend levels that make sense for their lifestyle.
END-TO-END WORKFLOW
From onboarding to settlement, a single unified workflow with clear governance at every stage.
Merchants, physical stores, and bank credit card portfolios are securely onboarded. Rigorous compliance ensures brand safety and strict data sovereignty.
A configurable scoring engine matches offers on spend history, category affinity, ticket size, location and timing.
Banks accept, tweak, or decline offer recommendations with total governance. Approved feeds are delivered via secure REST APIs or CSV feeds.
Redemption utilization, customer acquisition uplift, and incremental basket sizes are tracked with transparent fee and revenue-share settlement.
ENTERPRISE PLATFORM
Opti is delivered as role-based web portals on secure cloud infrastructure, designed for multi-party workflows, enterprise compliance, and full auditability.
Opti works with aggregated, bank-approved spend and segment data rather than individual cardholder records.
EXPLAINABLE MATCHING
Our configurable scoring engine evaluates offers across 5 dimensions: historical spend recency, ticket-size match, merchant category affinity, location density, and calendar timing. Banks maintain total control over weighting parameters.
Partner with OptiSEAMLESS DELIVERY
Approved offers flow into bank mobile apps, digital wallets, net-banking portals, and automated push notifications.
Interested in running offers, onboarding as an issuer bank, or exploring spend-weighted matching? Reach out directly to our partnerships team.