{"page":"/blog/bank-media-network-without-moving-customer-data","modified":"2026-10-18","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Option","Who holds transaction records","Who builds segments","Who serves","Who measures","Contract you need","Live examples"],"rows":[["Platform inside your app (revenue share)","Platform receives a transaction feed or runs inside the bank","Platform","Platform in bank channels","Platform on the feed","Reg P §1016.13 service-provider contract with use limits; data-return and deletion on exit","Cardlytics in Bank of America and Wells Fargo; Kard for fintechs"],["Card network distribution","Bank keeps records; network matches on its own permissioned data","Network and bank","Bank and network channels","Network attribution","Participation agreement; consent language aligned","Mastercard Commerce Media with Citi; Amex Offers"],["White-label stack, bank-hosted","Bank","Bank, on vendor software","Bank","Bank","Software license; vendor has no data access or only support access with logging","Not publicly disclosed by any bank"],["Owned stack (built or acquired)","Bank","Bank","Bank","Bank","Internal; processors only under §1016.13","Chase (Figg, 2022 → Chase Media Solutions, 2024); Citi (Kard, 2026, pending)"]],"sourceUrls":[[],[],[],[]]}