What banks are up against.
Engagement is transactional
Customers open the banking app to check a balance or make a payment, then leave. There is no reason to return between transactions, and every fintech competitor is trying to become that reason.
Browser-based tracking fails in-app
Cookie and pixel-based affiliate tools were built for the open web. Inside an authenticated mobile banking session they cannot attribute purchases — which is why most banks have no affiliate revenue at all.
Compliance blocks third-party tools
Any vendor that wants customer names, emails, or device identifiers will not pass a bank's security review. Most rewards vendors are built exactly that way.
Built for banks, not retrofitted.
Works in authenticated environments
Server-side tracking with zero cookies means attribution works inside logged-in mobile banking sessions, where browser-based tools fail.
Zero PII leaves the bank
User identity is an opaque token you generate. No names, emails, or device identifiers ever enter MBO Rewards systems.
Compliance-first architecture
Designed for regulated financial institutions from day one — built to pass a bank-grade security review without exceptions.
Higher engagement in the banking app, and affiliate commission on every confirmed purchase.
How banks put it to work.
01
Rewards tab in the mobile app
A white-label offers section inside the banking app, populated by the unified campaign catalog and ranked server-side for your customer base.
02
Card-linked engagement
Surface relevant merchant offers alongside card spend categories, giving debit and credit customers a reason to route spend through your cards.
03
Commission as a new P&L line
Every confirmed purchase generates affiliate commission, reported per campaign with monthly statements your finance team can reconcile.
One API between your platform and every affiliate network.
MBO Rewards sits behind your existing mobile and internet banking stack — your app calls one REST API; no SDK, no client-side scripts, no third-party code in your app.
Merchant campaigns
Aggregated from every major network
MBO Rewards API
Normalised, deduplicated, ranked
Your platform
Renders offers in your UX
Server-side tracking
Opaque tokens, zero cookies
Confirmed commission
Webhooks + monthly statements
Zero PII stored
User identity is an opaque token MBO Rewards cannot reverse-map.
Server-side tracking
No cookies, pixels, or client-side scripts in your application.
Encrypted throughout
TLS 1.3 in transit, AES-256 at rest, tenant-isolated data.
Review-ready
An architecture designed to pass enterprise security review.
Revenue Opportunity Simulator
What is affiliate commerce worth to your bank business?
Four questions, an executive dashboard, and a downloadable business case for your leadership team.
Questions banks ask us.
Does MBO Rewards store any customer PII?
No. The bank generates an opaque user token; MBO Rewards cannot reverse-map it. No names, emails, phone numbers, or device identifiers enter MBO Rewards systems.
How does attribution work inside a mobile banking app?
Attribution is fully server-side. A unique tracking token is generated when a customer taps an offer and passed server-to-server through the purchase flow — no cookies or client-side scripts, so it works in authenticated sessions.
How long does a bank integration take?
The API integration itself typically takes 2–3 days. Bank procurement and security review timelines vary, and the zero-PII architecture is designed to make that review straightforward.
What does it cost the bank?
There are no setup fees, monthly charges, or per-call API fees. MBO Rewards earns a share of the affiliate commission generated through the integration — agreed at onboarding.
Talk to the team that will run your integration.
A 30-minute scoping call covers your platform, compliance requirements, and go-live plan. Most integrations complete in 2–3 days.