Fintech startup Joko has carried out its first fundraising with top-tier investors — Partech, Axeleo Capital, Lafayette Plug and Play, and several angel investors from the sector — to develop its simple and universal loyalty program integrated into credit or debit cards.

Traditional and single-brand loyalty programs are no longer appropriate for the customised buying experience that millennials want. With most brands, it is necessary to have the loyalty card with you and to scan it when you pay. Already existing programs are not or only slightly customised, and the consumer accumulating points on each of his programs has little visibility on the benefits he gets. As a result of this disappointing experience, millennials are increasingly abandoning these historical programs.