Credit Saison and Kanmu launched "Saison CLO," a customer referral service linked to credit card payments, on the 24th.

CLO (Card Linked Offer) is a B2B service launched in the United States in 2008 and currently has over 400,000 participating merchants. CLO vendors utilize credit card companies' payment infrastructure to analyze cardholders' usage histories. Based on this information, they offer incentives tailored to individual members to drive customer traffic to stores. Kanmu is Japan's first CLO vendor, and this marks the first time CLO has been introduced in Japan.

Saison CLO delivers member store discount information tailored to members' preferences based on member information such as age, gender, address, and usage history on the highly viewed web statement screen. Members can enter their preferred merchants through coupons displayed on the screen. Then, when they use their card at the relevant merchant, they can receive up to 40 times the "Eternal Points." To use the service, merchants pay a commission-based customer referral fee. However, there is no need for dedicated terminals or in-store operations, so there are no initial or training costs. As long as a card payment environment is available, Saison CLO can be implemented at low cost in brick-and-mortar stores, online stores, catalogs, and other online retailers. Once implemented, it enables detailed targeted marketing focused on members who are likely to visit stores or who are desired to visit. This customer referral service leverages Credit Saison's unique strengths: its 8.8 million online members, the largest in the card industry, and its "Eternal Points" system. Credit Saison and Kanmu plan to promote the service to a wide range of merchants, including major department stores, specialty stores, convenience stores, restaurants, and leisure facilities such as hotels and golf courses. At launch, participating merchants include QVC, Dinos, Toho Cinemas, Parco, Lawson, and Lohas International. Going forward, the service will be expanded through the development of a smartphone app utilizing GPS and calendar functions.