Romanian Commercial Bank (BCR( and Dateio launched George Moneyback

Business, Digital & Media, e-Commerce, Finances, Marketing

BCR’s mobine and internet banking app, George, introduced under its umbrella the new George Moneyback program. available directly inside the app, the program offers a series of rewards to BCR clients that will use card payment within partner stores. Moneyback is specially conceived to match clients’ profile, offering customized rewards, based on the historic of the previous transactions made with that card.

The new tech implemented within the program were conceived and will be offered by Dateio, fintech start-up from Czech Republlic, specialized in analyzing data received from card transactions in store. The company prioritizes innovation and collaborates now with over 12 financial institutions internationally. Dateios involvement in the new program will offer retailers the option to reach a potential of 900,000 clients in Romania and 2.5M in CEE

The launch of Moneyback represents a stepping stone or us. Over our collaboration with BCR (…), we managed the performance to triple the number of users and our partners are reaching with their offers to over 900,000 card users. Important it is to know that partners are only paying for achieved transactions and the key point of our solution resides in customization we offer to the final consumers. For retailers, this means that they can segment their target based on their real consumption habits – previous transactions made with the bank card

Ondrej Knot,

Co-Founder & CEO Dateio

The marketing based on real transactional data is conquering the international market, especially the American one. Moreover, it is likely for it to replace traditional campaigns made via vouchers and loyalty cards

Both vouchers and loyalty programs represented an important way for retailer to connect the marketing campaign with the consumer, based on his real shopping consumption habits. With Card Linked Offers, this connextion is made instantly via card payment. Retailers can observe in real time how performant is the campaign they are running and  can improve the parameters if it is needed


Dateio is the only company in Romania that gives card issuers tech and innovation in data processing and Card-Linked Marketing. CLO campaigns are helping to increase clients portfolio and the retention of the existent ones.

By the end of the year, Dateio aims to launch the CLO marketing platform in Austria, then Croatia and Hungary, in Q1 2021. This development aims achieving a portfolio of over 4M consumers in all those 3 countries, where Dateio will be the 1st company to offer this kind of service

Dateio has in portfolio over 300 partner retailers in the 3 countries it runs its activity.

Dateio has a team of 40 people and circa 2 devs and data specialists that are working in Java and Groovy framework. The data layer is realized in Postgres, includes advanced algorithms, from statistical machine learning methods to other AI tech that analyzes millions of transactions a month.

The integration with the banking app is made via an API that allows a simple and fast integration. “We are building a platform, a single product for any bank in the world, so we are trying to dedicate as less time as possible to customized development and more to developing the product itself”, Ondrej added.