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More than 92% of retail sales in the U.S. are still offline, and primarily local. Even with internet retail growth projected at 10% (CAGR), online sales will still make up only 8% of all retail in this country by 2014. Thus Caliber Data opens up an opportunity to engage millions of businesses that remain on the sidelines due to the up-front cost, risk, and uncertain value of today’s ad models.
Local businesses get advertising that they pay for only when it produces results at the cash register when a registered bank card is swiped.
Ad partners reach millions of local businesses, increasing online traffic, sustaining advertiser engagement, customer satisfaction and loyalty.
Consumers get relevant and valuable cash back offers AND in-store discounts from local merchants. Coupon redemption hassles are eliminated.
Pay-Per-Transaction advertising is the easy, safe and cost effective way to monetize growing online banking traffic, grow card usage and improve retention.
Card holders receive valuable cash-back and in-store discounts each time they make a purchase at a participating business.
Targeted cash-back offers are delivered to online and mobile banking users when they search for local deals. A commission fee generated on each tracked sale grenerates new revenue for the bank.
Pay-Per-Transaction advertising also creates new opportunities to expand merchant banking relationships while encouraging local spending that strengthens the community.
Security and customer privacy is never an issue since all sensitive account data remains within the walls of the financial institution.
Along with todays compressing economy and financial uncertainty, card issuers are experiencing tremendous growth in their online and mobile banking traffic. Most of this growth is in debit card usage which banks view as a cost center. Today there has been very little effort to monetize this increasing site traffic.
As an industry first in providing a direct link of online ads to in-store (local) sales, Caliber's platform offers advertisers immediate, (self-serve) and location targeted ad delivery for just-in-time store promotions with cash back rewards deposited directly into a consumers registered bank card account.
Instead of paying for clicks, impressions or actions such as emails and phone calls, merchants pay a commission when a consumer’'s click or “acceptance” of an online or mobile ad is tracked to a confirmed in-store purchase.
By using a commission fee to monetize online ads, PPT® eliminates the requirement for merchants to pay up-front for an ad and eliminates speculation on uncertain and immeasurable results.
Caliber'’s platform virtually eliminates all resistance to online advertising, especially by 15 million Small and Medium Businesses (SMBs) that represent approximately 75% of US retail sales but only 30% of online ad spending.
Caliber's Pay per Transaction (PPT) platform is based on a patent pending technology that links online ads to directly resulting in-store purchases transactions through a customer's credit card, debit or prepaid card, or checking account.
Customers using popular web browsers or mobile smart phones now have a powerful deal finding tool that helps them identify and navigate directly to local stores that offer cash-back rewards.
Since offers are based on a consumer's search, location and preferences, they are always more relevant than a "deal of the day" (group purchase progam).
Cash-back is issued on every qualifying purchase and calculated as a percentage of the full ticket amount. In-store discounts on specific items add to this for the greatest possible value.
Template driven ad creation and syndication makes creation of an ad including graphics, links to video, Cashback Qualifiers and other Offer constraints into a simple 10 minute process.
The comprehensive platform drives, tracks and measures every part of the ad lifecycle and enables account activity tracking to compensate sales staff.
