Executive Bio
Michael Vincent
Former Account Director at Cardlytics
In Practise Notes
- The first banks that CDLX sign in a market have favourable terms and given the consolidated structure of banking, it's unclear how much leverage CDLX have to improve FI share paid to banks.
- Being a top priority for the bank is the biggest challenge for CDLX
- It seems like CDLX has a data advantage from the OSP integration with banks although it's not clear how open banking reduces this advantage over time.
- Open Banking risks and opportunities for CDLX and banks
- CDLX potential advantages in an open banking world
- Interesting insight into how the banks look at FI share and the cost-benefit trade off using CDLX.
Interview Transcript
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Audio
Cardlytics: Santander, Lloyds, & The Bank Side(August 31, 2021)
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