T

Triple

Fintech incubator launching standalone banking tech

Overview

Numo, a fintech incubator and subsidiary of The PNC Financial Services Group, develops and launches its own fintech ventures, including Triple. Triple is a financial media network that uses card-linked offers to connect banks and credit unions with merchants, enabling them to run personalized debit-card rewards and loyalty programs while giving merchants a performance-based advertising channel. The platform acts as an operating system for managing CLO-based offers, letting issuer partners control offer inventory, targeting, and user experience, with recent expansion adding SKU-level, CPG-funded cash-back offers through Snipp Interactive. Numo aims to create data-driven promotions that deepen bank-customer engagement and grow Triple into a scalable standalone business by uniting financial institutions, merchants, and consumers.

Significant Headcount Growth

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About Triple

Simplify's Rating
Why Triple is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

FintechFinancial Services

Company Size

51-200

Company Stage

N/A

Total Funding

N/A

Headquarters

Pittsburgh, PA

Founded

2020

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Simplify's take

What believers are saying

  • May 2026 BankAmeriDeals launch proves numo can win flagship bank programs.
  • July 2026 fuel offers and summer categories expand engagement during high-consumption periods.
  • June 2026 LUX Rewards and The Reward Collection partnerships broaden premium inventory.

What critics are saying

  • The June 2026 rebrand from Triple to numo signals identity drift and sales friction.
  • Cardlytics, Amex Offers, Mastercard, and Visa intensify competition for issuer wallet share.
  • If Bank of America or PNC priorities shift, numo loses distribution and independence.

What makes Triple unique

  • May 2026 Bank of America chose numo for BankAmeriDeals, validating issuer-grade infrastructure.
  • numo controls issuer UX, targeting, and offer inventory, unlike generic loyalty aggregators.
  • Its item-level stack with Banyan and Snipp enables SKU-targeted, merchant-funded CPG offers.

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Benefits

  • Company Equity
  • Hybrid Work Options
  • Meal Benefits

Growth & Insights and Company News

6 month growth

7%

1 year growth

1%

2 year growth

9%
PYMNTS
Jun 13th, 2023
Triple And Prizeout Team For Digital Gift Card Offering

Ad-tech firm Prizeout says it has formed a partnership with card-linked offer platform Triple.The partnership, announced Tuesday (June 13), lets Triple customers access premium offers from their favorite retailers via Prizeout’s digital gift cards.“This partnership, in particular, makes a lot of sense for Prizeout,” Holly Glowaty, co-founder and chief partnerships officer at Prizeout, said in a press release.“We share similar industries and value propositions as Triple; their connections and customer base will certainly help scale our offers distribution. In turn, we are thrilled to be a critical piece of their suite of deals and offers.”Prizeout offers an online marketplace where more than 1,300 brands bid for the attention of customers by offering gift cards loaded with bonus value. Once a customer chooses a brand, they get a card sent to them via email with no fees.PYMNTS spoke with last month Brendan Grove, chief technology officer and another co-founder of Prizeout, about the way branded currency — the currency that’s attached to gift cards — can be a strategic differentiatorAs that report noted, the equivalent of $21 billion sits waiting to be used on gift cards. If harnessed correctly, brands can use that currency to unlock that value, engage and re-engage with customers, secure brand loyalty and uncover new audiences.“Marketers looking for an edge isn’t necessarily something new,” said Grove.But in today’s environment, companies are facing increased competition across platforms for consumers’ share of wallet, while the cost of capital is keeps going up.“Brands are looking more and more for efficiencies — and not always just new user growth,” Grove said. “Increasing the lifetime value of a customer is becoming a big focus.”As for that untapped $21 billion, Grove said accessing it will be made easier via the “continuing shift to digital — and by brands being digital-first.”Those cards are sitting unused in desk drawers, while their owners are seeking extra spending power. The combination of brand awareness, self-directed spending, and the digital platform model assisting it all, he said, “will drive down those unspent funds.”Prizeout’s partnership with Triple follows a collaboration in April between Triple and Banyan to enable item-level card-linked offers.As PYMNTS reported, the collaboration integrates Triple’s card-linked offer platform will integrate Banyan’s stock keeping unit (SKU) data capabilities, letting banks and retailers that use Triple benefit from enhanced reporting and more targeted offer constructs

Prizeout
Jun 13th, 2023
Prizeout Partners with Triple to Give Customers Access to Marketplace of Exclusive, High-Value Brand Offers.

[New York City, NY – June 13, 2023] – Today, Prizeout, the ad-tech company that turns cash withdrawals into growth solutions, has partnered with Triple, a next-generation Card Linked Offers (CLO) platform.

PYMNTS
May 4th, 2023
Item-Level Data Helps Banks Stay Top Of Wallet

At the intersection of digital channels and inflationary pressures, consumers are demanding more value from merchants.And it’s not all about price.Banyan CEO Jehan Luth said the great digital shift has shifted the definition of “value,” and merchants need to offer a better value proposition while consumers are browsing and shopping in virtual and brick-and-mortar aisles — or risk losing the sale. Item-level data can help seal the deal.Moving Beyond PriceAlthough consumers are still showing a propensity to spend, merchants are facing several challenges as they joust for consumers’ top of mind and wallet share, Luth said. The rise of platforms and aggregators has given shoppers an ever-expanding range of options to choose from. Consider the example of grocers, where the platform model (Instacart, to name one option) lets individuals order from grocers they wouldn’t be able to drive to — and have goods delivered to their doorstep.As Luth told Webster: “It’s not just about [driving] radius anymore.”The aggregators have also consolidated the broad range of merchants into one central location, so consumers need not juggle their way through several apps to find what they want.“For the merchants, it’s tougher than ever to get their apps to the ‘top’ of the digital shopping journey,” Luth said.There are some tools at merchants’ disposal that can be instruments through which to deliver value — if only they would use them effectively, he said. Co-branded cards, for instance, have been good conduits for value, especially in the travel vertical.Turbocharging Co-Branded Cards and Card-Linked Offers“But if you look at the co-branded cards geared toward everyday spend, you can, in many cases, get better rewards from your general, regular purpose card,” Luth said. “That’s a lost opportunity in so many ways.”Merchants must already bear the cost of payment acceptance, and in low-margin businesses, delivering value through co-branded cards can boost results — targeting consumers in a digital world where offers are relevant to what they’re buying at the moment or what they’ve purchased before, he said.It’s the banking and the FinTech app that can be the gateway to gaining access to the receipt-level and stock-keeping unit (SKU) data that becomes, in Luth’s telling of it, “an extension of the merchant’s marketing team

PYMNTS
Apr 20th, 2023
Triple And Banyan Partner To Enable Item-Level Card-Linked Offers

Triple and Banyan have partnered to enable item-level card-linked offers. With this collaboration, Triple’s card-linked offer platform will integrate Banyan’s stock keeping unit (SKU) data capabilities, the companies said in a Thursday (April 20) press release. This combination will allow banks and retailers using Triple’s platform to benefit from enhanced reporting and more targeted offer constructs, according to the release

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