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CLM BI: The Analytical Platform Behind Loyalty Success

Comarch Loyalty Management Business Intelligence (CLM BI) is a next-generation analytical platform designed to maximize the value of loyalty programs. Built on a modern data lakehouse architecture, it seamlessly integrates into Comarch Loyalty Management (CLM) and other enterprise systems such as ERP, CRM, and campaign management tools.

With advanced analytics, ready-to-use reports, and customizable dashboards delivered through Comarch BI Point, businesses can easily track customer behavior across every touchpoint and turn complex data into actionable insights. From measuring customer journeys to benchmarking performance against industry standards, CLM BI ensures that loyalty programs are not only innovative but also measurable and impactful.

Measure Emotional Loyalty

Understanding emotional connections is just as important as tracking transactional behavior, and CLM BI makes this possible through advanced loyalty analytics.

By analyzing Net Promoter Score (NPS), Customer Satisfaction Scores, and even customer sentiment, businesses can gain a complete 360-degree view of their members – revealing not just what they do, but why they do it.

These insights reveal real motivations, perceptions, and loyalty drivers, enabling marketers to design targeted campaigns, exclusive experiences, or recognition tiers directly within the platform. For instance, members with low NPS can receive personalized win-back offers, while brand advocates actively referring friends or supporting charity initiatives can be rewarded with premium benefits. 

With CLM BI, emotional and behavioral loyalty become measurable and actionable assets.

Maximize the Financial Efficiency of Your Loyalty Program

Every successful loyalty initiative requires financial discipline, and CLM BI provides the tools needed to optimize program costs and profitability.

  • Expiration and liability reports let you closely monitor outstanding points and rewards, ensuring proper financial control.
  • Partner billing features simplify complex settlement processes, making it easier to collaborate with co-branded partners and coalitions.
  • Advanced dashboards allow managers to assess financial performance, highlighting inefficiencies and areas for improvement.

By integrating financial analytics into everyday decision-making, CLM BI helps you strike the right balance between member engagement and profitability, ensuring your loyalty initiatives remain sustainable and cost-effective over time.

Plan Promotions and Analyze Budgeting 

CLM BI makes it easy to evaluate and optimize the effectiveness of promotions and campaign plans executed in Comarch Loyalty Management.

By analyzing past transactions, customer behavior, and promotion history, the platform helps marketers understand which offers delivered the strongest results and how campaign costs compared to projected outcomes.

Dashboards in Comarch BI Point provide full visibility into promotion performance across customer segments, channels, and campaign types, highlighting both successful initiatives and areas that require improvement.

Cost-benefit analyses of loyalty rewards further support data-driven decision-making, allowing businesses to refine their promotional strategies and maximize return on investment in future campaigns.

Measure KPIs

To understand how well your loyalty program performs, you need the right metrics – and CLM BI delivers them all.

With dozens of KPIs, including growth rate, churn rate, average transaction value, loyalty penetration, customer lifetime value, engagement index, enrollments, and NPS, you can monitor program effectiveness in real time. 

Need deeper context? Use industry benchmarking to compare your performance against market standards and identify competitive gaps.

All KPIs are presented in intuitive visualizations through Comarch BI Point, making complex datasets easy to interpret. By turning raw numbers into clear insights, CLM BI ensures you always have a clear picture of loyalty program performance.

Predict Churn Before It Happens

CLM BI helps you stay one step ahead of customer churn. Using advanced churn analysis and attrition models, the platform highlights customers who are most likely to disengage.

Once detected, CLM BI generates actionable recommendations for proactive measures, such as targeted offers, reactivation campaigns, or personalized communication.

This predictive capability enables loyalty managers to act early, protecting revenue streams and safeguarding customer relationships.

By turning potential attrition into opportunities for engagement, CLM BI ensures your loyalty program remains not just reactive, but strategically proactive.

Manage Fraud with Comarch BI

Fraudulent activity can significantly impact the credibility and profitability of your loyalty program. That’s why CLM BI includes a dedicated fraud prevention module.

By applying anomaly detection and historical trend analysis, the system identifies unusual redemption patterns, suspicious behaviors, or irregular spikes in activity across stores, channels, or individual members. Additionally, visual dashboards in Comarch BI Point provide an instant overview of risk exposure.

By cross-checking user activity across different channels, CLM BI strengthens security, minimizes financial losses, and ensures your loyalty program remains trustworthy and resilient.

Identify High-Value Customers Using Lifetime Value Models

Not all members contribute equally to your program’s success. With customer lifetime value (CLV) modeling, CLM BI helps you identify and prioritize your most valuable customers based on both historical behavior and predicted profitability.

You can then use these insights to segment customers by their potential contribution, design tailored retention strategies, prioritize investments, and monitor CLV changes over time.

Predictive scoring models highlight which members are likely to deliver the highest value in the future, ensuring your loyalty efforts are focused on the right audience, maximizing return on engagement, and strengthening long-term customer relationships.

Estimate Campaign Success Before Launch

CLM BI goes beyond reporting past performance – it helps you predict the campaign results before it’s even launched.

Using historical benchmarks, predictive modeling, and uplift analysis against control groups, the system estimates response rates and expected outcomes, helping marketers adjust offers, fine-tune targeting, and allocate resources more effectively.

By forecasting likely performance, CLM BI minimizes uncertainty and supports data-driven decision-making across every campaign.

As a result, marketing teams can plan smarter, spend efficiently, and ensure that each campaign delivers maximum impact from day one.

Go Beyond Demographics with Behavioral and Predictive Segmentation

Traditional segmentation based on demographics alone is no longer enough. CLM BI takes it to the next level with advanced behavioral and predictive models.

By analyzing dozens of customer parameters, the platform creates homogeneous segments that truly reflect differences in shopping habits, preferences, and engagement levels. These insights enable more precise targeting and tailored experiences that resonate with customers on an individual level.

With CLM BI, marketers can identify niche groups, predict their future behavior, and deliver the right message at the right time, ensuring every campaign is relevant and impactful.

Leverage RFM Analysis for Targeted Campaigns

Recency, frequency, and monetary value (RFM) analysis remains one of the most effective ways to understand customer behavior, and CLM BI makes it easy to apply this methodology in loyalty marketing.

The platform automatically scores customers based on their purchase recency, frequency, and transaction value, helping you quickly identify high-potential segments, such as those primed for cross-sell or upsell campaigns, as well as customers at risk of disengagement.

Targeted messaging tailored to each RFM profile ensures higher campaign effectiveness, turning insights into tangible business results.

Unlock Loyalty Potential with AI & Machine Learning

Powered by advanced AI and machine learning, CLM BI adapts to each client’s unique data, industry, and goals.

Instead of relying on generic, out-of-the-box models, Comarch develops custom AI/ML solutions that reflect the specific needs of every loyalty program.

These models can support a wide range of use cases, from personalization and churn prediction to campaign optimization and anomaly detection.

By leveraging Comarch’s extensive experience in building data-driven solutions, businesses gain access to analytics that are both cutting-edge and relevant to their operational needs.

This ensures your loyalty program evolves in line with customer expectations and market trends – delivering long-term engagement and measurable growth.

Recent resources

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