Digital marketing is at a turning point. On one side, cookies are disappearing. Tracking is becoming blurry, unreliable and often blocked. The result? A fragmented and inconsistent view of the customer. On the other side, Open Banking is opening a new era, one where brands can finally access real, reliable, real-time data: payments. FINCORY was born at this crossroads. We saw a unique opportunity: to give brands a new lever to truly understand and activate their customers.
For years, personalization, targeting and marketing attribution relied on cookies and user tracking technologies. But that model is collapsing: third-party cookies are disappearing, browsers are tightening restrictions, and multi-site tracking tools are losing their backbone.
On top of that, regulations are getting stricter. The GDPR, ePrivacy, and systems like Apple’s ITP are reducing the effectiveness of tracking, even first-party cookies. User consent is harder to obtain, and behavioral data is becoming less reliable. The result: a blurry customer view, harder to activate.
At FINCORY, we believe in a more direct path: payments. Banking data, shared voluntarily via Open Banking, offers a clear, factual and fully compliant view of your customers. This is how we help brands target smarter, personalize better and retain customers with purpose, while respecting their privacy.
As traditional tracking becomes increasingly limited, a more reliable alternative is emerging: Open Banking. Enabled by the DSP2 directive, this framework allows consumers to securely and voluntarily share their banking data with authorized third-party services. These transactional insights, accurate and updated in real time, provide a clear picture of spending habits, income flows and purchasing behavior. It’s a level of clarity that cookies could never deliver.
This sharing is built on clear, informed, and revocable user consent, fully aligned with GDPR requirements. At FINCORY, we see this as a unique opportunity to build a smarter, more transparent connection between brands and customers: one grounded in actual financial behavior. More trustworthy than cookies, more actionable than clicks, Open Banking becomes a strategic lever to reach the right people, at the right time.
