FROM DATA TO EXPERIENCES

Our unique platform
is key to unlocking the value of data

Our solution

Our solution benefits bank, merchant and consumer

Our solution is driven by a powerful data/decisioning engine, enabling compelling experiences for SME customers and consumers. We are working with ambitious banks and partners around the world to fast become a global industry leader.

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Banks get

…the ability to serve businesses more cost effectively than ever before, deliver amazing experiences and realise the potential value of their data

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Merchants get

…the ability to take and manage payments, manage and grow their business and access multiple services in one place – all from their bank

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Consumers get

…a better, more personalized experience from their local merchants, rewards and offers usually only possible from large retailers, and an easy way to support local businesses

SECURE, NON-INVASIVE & SCALABLE

Our unique platform unlocks the value of data

The Pollinate Data Platform works with any underlying infrastructure to ingest and transform multiple data sets from your bank and third parties – unlocking the power of your data and powering valuable digital products

In-built security, data ingestion and transformation

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Secure

Bank, issuer and acquirer data securely ingested from multiple data sources

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Flexible

From overnight batch to real-time feeds, our data platform consumes data in most common formats

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Separate Instance Per Bank

Cloud platform hosted in-region of the bank to facilitate local regulatory compliance

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Privacy at its heart

Built to comply with GDPR and other local data regulation requirements using tokenisation, obfuscation and segmentation

Pollinate Data Engine

Our unique platform and expertise is key unlocking the power of data

Find out more about:

Onboarding and account management
Transactions and reconciliation
Consumer and business insights
Loyalty and offers
Access to capital
B2B marketplace
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Onboarding and account management

Fast and engaging for bank customers

Our expertise is in the user experience and the data flows.  Our “happy path” gives a quote in 90 seconds and 5 minutes to sign up.

But we don’t skip what’s important

Our journey allows necessary checks (e.g., AML, Credit Risk) through APIs.  These checks can be customized based on bank requirements

Our solution is highly customisable

A library of configurable components that can be used by our banks to assemble personalised onboarding journeys

We offer shallow and deep integrations

Customers can enjoy digital onboarding, with manual processes still running in the back end. Alternatively, a deeper integration allows customers to switch between digital and assisted journeys, and automatically onboard customers.

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Transactions and reconciliation

Multiple data sources in a single place

Your SMEs can get complete traceability on transactions and settlements

A single place to see

  • All stores
  • Online and offline transactions
  • All digital transaction types
  • All schemes

Complex merchant hierarchies supported

Inbuilt user roles allowing admins to define access and privileges for staff

Consumer and business insights

Democratising access to data

Give your SMEs access to the depth of data usually only available to large retailers

Simple, clear data points

ATV trends, revenue trends, historical comparisons

Deeper insights

Integrating issuing data to understand customer demographics, attitudes and travel patters

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Loyalty and offers

Payment linked loyalty scheme

A payment-linked loyalty platform, enabling merchants to create, publish and manage offers and rewards for their customers and prospective customers, without the need for additional hardware or separate software programmes.

Merchant owned and funded

With interchange regulated in many markets, reward schemes from issuers are in decline. Our platform enables merchants to control and fund their own rewards for their customers

Terminal Independent

Built to make redemption easier for merchants and customers by leveraging a well-understood mobile loyalty mechanic with time-based expiry on screen.

Closing the loop

Using the power of bank data to close the loop
between merchants and consumers – delivered to consumers through a mobile app and (for banks that can) through the mobile banking app

Awards winning

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Your choice of implementation path

Deploy our solution in a way that suits you

Non-invasive, with bank grade security, and designed to be able to ingest any type of data feed, the Pollinate Data Engine can be used to provide a range of white-labelled product experiences for SMEs — or simply output API feeds to integrate into your current solutions.

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1. Connect

Simply connect the data APIs we supply and add to your existing IT estate.

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2. Deploy

Deploy our configurable front end experience

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3. Create

Work with us (or your own designers) to create your own front end to meet your specific requirements