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Smart Loyalty Program: Using Data Science to Inspire the Next Purchase

Total Cost €


EC-Contrib. €






 PayLead project word cloud

Explore the words cloud of the PayLead project. It provides you a very rough idea of what is the project "PayLead" about.

smart    debit    commercial    decision    group    cards    insurance    payment    engine    solutions    relevance    collected    speed    linear    transaction    clo    2016    bank    accessible    market    founded    classifiers    checking    validated    offers    flow    23m    personalized    off    deploying    stakeholders    promotional    first    payments    coupon    model    critical    merchant    loyalty    principles    reg    strategy    fragmented    europe    merchants    centric    legitimize    ready    linked    card    basis    finalized    sme    habits    13m    nature    precise    data    cross    tech    algorithms    bnp    spend    intelligence    owners    source    bidding    purchase    prepared    sources    2023    platform    patterns    learning    histories    recommandations    competitive    historic    performance    external    ebitda    groupama    accurately    scaling    revenue    consolidation    profiling    solution    basic    ing    mass    party    propensity    accuracy    paribas    valuable    big    machine    limited    create    alo    programs    customer    prediction    french    credit    customers    paylead    marketing   

Project "PayLead" data sheet

The following table provides information about the project.


Organization address
postcode: 33000
website: n.a.

contact info
title: n.a.
name: n.a.
surname: n.a.
function: n.a.
email: n.a.
telephone: n.a.
fax: n.a.

 Coordinator Country France [FR]
 Project website
 Total cost 71˙429 €
 EC max contribution 50˙000 € (70%)
 Programme 1. H2020-EU.3. (PRIORITY 'Societal challenges)
2. H2020-EU.2.3. (INDUSTRIAL LEADERSHIP - Innovation In SMEs)
3. H2020-EU.2.1. (INDUSTRIAL LEADERSHIP - Leadership in enabling and industrial technologies)
 Code Call H2020-SMEInst-2018-2020-1
 Funding Scheme SME-1
 Starting year 2019
 Duration (year-month-day) from 2019-06-01   to  2019-09-30


Take a look of project's partnership.

# participants  country  role  EC contrib. [€] 
1    PAYLEAD FR (BORDEAUX) coordinator 50˙000.00


 Project objective

Credit and debit card transaction histories are a valuable source of information about their owners’ purchase patterns. This information can be used to accurately address promotional offers, called Card Linked Offers (CLO). Today, CLO performance is limited due to the nature of accessible information from credit cards: it is often fragmented and and is not customer-centric as it does not take into account habits / historic of purchase to develop personalized recommandations. It is basic coupon with no intelligence. PayLead is a French SME founded in 2016 developing a new approach - called Account-Linked Offer (ALO®) - that allows all transaction data to be collected, not only bank card payments. ALO is based on cross-checking transaction data with several external sources making it possible to improve prediction relevance and accuracy. This allows us to create smart loyalty programs based on precise patterns of spend propensity. The bidding of offers is based on profiling and targeting resulting from customer payment flow analysis at both the bank level and external partners (merchants, third-party solutions). Profiling is done on the basis of big data principles through machine learning algorithms and non-linear classifiers. The first commercial partnerships have been finalized to allow speed, critical mass of customers, users and partners in order to legitimize the offer in a very competitive market in terms of marketing and loyalty solution. We have validated our model, developing a profiling and decision-making engine for merchant based on machine learning, and we prepared us for scaling. We have built our tech platform and we are now ready to take off through the consolidation of stakeholders. We are currently deploying our solution with a major bank (BNP Paribas) and a major insurance group (Groupama). In 2023 we expect the have €23M of revenue and €13M of EBITDA. This phase I project will support further the development of our go-to-market strategy in Europe

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The information about "PAYLEAD" are provided by the European Opendata Portal: CORDIS opendata.

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