PAYBACK’s purpose is to boost program Partners' sales by strengthening the relationship with their customers and enhancing the shopping experience while, at the same time, rewarding the consumers for their choices. MULTIPARTNER CONCEPT. As a multi-partner ecosystem, PAYBACK processes a higher amount of data and in more dimensions than a standard loyalty program. It is possible to precisely target customers with personalized communication, offer the right product at the right time and context, and increase customer engagement. Brand alliances and cross-promotions take place instantly and flexibly, without the extra cost of system integration. BIG & SMART DATA. Analyzing data is our bread and butter. Over the years, we have built methodologies, algorithms, and data processing technologies using artificial intelligence and machine learning to enhance our Partners' marketing campaigns' efficiency. FOCUS & COLLABORATION. People are our most valuable asset. Our teams are always ready to support our Partners with knowledge, technology, and experience. THE SCALE MATTERS. In Poland, PAYBACK is the most extensive multi-partner bonus program on the market. We process about 127 million transaction data annually, worth PLN 16bn. Eight and a half million people actively collect PAYBACK points. The total value of the collected points exceeds PLN 160m. Numerous partners can attest to our effectiveness, including bp, Kaufland, MaxiZoo, Multikino, Mrówka, CUK, not to mention 250 e-commerce businesses, including Allegro, EURO RTV AGD, and Booking.com. Our marketplace integrates all Polish mobile phone operators (Play, Plus, T-Mobile and Orange) as well as leading banks, including Alior, Santander, PKO BP, Pekao SA, mBank, Millennium, BNP Paribas and many others. We are a part of the American Express group.