Rakuten Card Linked Offer Network shared insights examining the biggest challenges facing advertisers in the card-linked offer (CLO) industry. As the ecosystem has expanded across financial institutions, wallets, and loyalty platforms, advertisers are increasingly navigating:

  • Fragmented reporting across multiple CLO partners
  • Unclear attribution and duplicate spend when the same transaction is exposed across publishers
  • A growing need for high-intent engagement over passive reach

These challenges are reshaping how advertisers evaluate CLO programs, shifting the focus from publisher access alone to operational simplicity, deduplication, and measurable incrementality. As the industry matures, brands that prioritize clear, unified reporting will be best positioned for the next phase of CLO growth.

Read the full insights here, or contact us here for more information about Rakuten Card Linked Offers.

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