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Driving Growth in Uncertain Times: How CLO Powers Market-Leading Performance

A recent McKinsey report identifies five growth levers that enable companies to outperform peers by 200–300 basis points.

A recent McKinsey report identifies five growth levers that enable companies to outperform peers by 200–300 basis points.

Executive Overview


A recent McKinsey report identifies five growth levers that enable companies to outperform peers by 200–300 basis points. LuckyDiem’s Card-Linked Offers (CLO) platform delivers all five, giving brands a proven path to incremental growth, efficient acquisition, and measurable ROI.



The Five Growth Levers and LuckyDiem’s Advantage


1. Reduce Churn

  • Challenge: Churn erodes revenue and brand value faster than acquisition can replace it.

  • LuckyDiem Advantage: CLO campaigns re-engage customers with personalized rewards delivered through financial institution (FI) apps, boosting retention and lifetime value.

2. Cross- & Up-Sell

  • Challenge: Brands miss opportunities when they lack customer insight.

  • LuckyDiem Advantage: With first-party purchase history, LuckyDiem helps brands deliver relevant offers that drive repeat purchases and higher spend.

3. Acquire Efficiently

  • Challenge: Prospecting is expensive and often misaligned with target audiences.

  • LuckyDiem Advantage: LuckyDiem combines first-party consumer spend data with FI distribution to help brands acquire high-intent customers at scale—paying only for performance.

4. Win Big Deals

  • Challenge: Large-scale growth requires winning strategic partnerships.

  • LuckyDiem Advantage: Partnerships with banks, neobanks, and financial apps provide national-scale distribution with closed-loop measurement and superior iROAS.

5. Maintain Pricing Power

  • Challenge: Traditional media and affiliate channels erode margins with wasteful spending.

  • LuckyDiem Advantage: CLO ensures brands pay only for measurable outcomes—protecting profitability and eliminating inefficiency.


Why It Matters Now



In today’s environment of uncertainty, every marketing dollar must deliver. CLO is not only cost-efficient—it’s a proven strategy for sustainable growth. LuckyDiem provides:


  • Performance-only pricing (no wasted spend)

  • First-party consumer insights for smarter targeting

  • Incremental growth across acquisition, retention, and engagement

  • Proven success with major brands and financial institutions


👉 Next Step: Let’s explore how LuckyDiem can implement a pilot campaign to align your growth strategy with McKinsey’s five proven levers.



Here’s a link to the full McKinsey report.

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