Card-linked offers (CLOs), widely used by US financial institutions, are starting to emerge in Japan also. CLOs are merchants' promotional offers targeted at specific cardholders in response to their credit or debit card transaction histories. We recently conducted a CLO test in collaboration with two major credit card companies. Our test Masanori Miyai confirmed CLOs' effectiveness.

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About the Author

• Masanori Miyai

  Senior Consultant

  Financial Systems Solution Department Ⅱ