Sell adverts in app

Having trouble following your logic, but at the end of the day it comes down to opinion. I’m a consumer who pays to have adverts removed wherever I can or use tools to block them. I am a Curve investor and a paid metal subscriber. If they want to show ads to the people on the free tier, fine. If they started shoving ads down my throat as a paid subscriber I would be very annoyed. Same as if they were sending spam emails with no option to unsubscribe. There are ways to make money without being intrusive.

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What part of it are you having trouble with maybe I can help?

I started with why adverts on tv are not a bad thing necessarily then I moved over to Curve and why adverts on the app might not be be a bad thing. All sorted. :+1:

I’ll leave you with this. Do you pay for a TV license then? Even the BBC has adverts for it’s own programs…

Some people pay amex £100s a year, they still show ads but many still use it. I think as long as Curve remain useful, people will tolerate it. Just like Amex, TV, Amazon, Netflix, most things. People usually only stop using a service because it charges too much, or some alternative reasons (political, religious etc. there are many), but not because they sell ads. If ads can make curve more profitable and in some extent less pressure to raise prices, I don’t mind seeing ads. But of course obviously they need to make sure no one can hack the app through the ads.

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However most of the things Amex shows (certainly that I see on Android) are their own internal links to partner offers. That’s quite different to just showing ads as most apps do (which often come via the likes of Google).


Yes, what you are saying is very true, but I think it has more do to the size difference of companies (amex has travel, insurance etc.). Certainly, majority of the ads in the amex app are linked to their internal sites or partner offers, but they also do have links to third party sites and it shows ads are a proven concept in a card app, which many has said it’s not possible. Through the example of the ads in Amex, we can see there is at least one way to do it, by showing internal ads and vetted partnerships, something that Curve can also consider?
About the Google affiliated ads, I am not too sure how it can be implemented, and yes, the amex styled ads are a very different model.

as long as the ad is not too invasive, maybe just 1 small ad per session

after all it will help Curve financially

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I have about 250 apps on my phone. Very very few have ads. If they do, I uninstall them.

I never install apps with ads if I can help it.

The small revenue Curve could generate from ads would probably be offset by the customers uninstalling the app.

I’m an investor. No ads.


Sounds like a willy waving competition. I’m an investor so that means I have more say. Nope nope nope.

Let me tell ya a huge secret. Even if we all pulled all our shareholdings together into one and went to the AGM do you think we would have much of a say? Nope as the VC and the owner of the company have a lot more shares then we do. Sooooooo. Let’s stop the crapola yeah?

Please note to the above poster it’s not meant personally but I’ve seen this quite a few times and it’s like :roll_eyes:. So I’m sorry it was your post I responded to but it’s meant generally.


I’m an investor, I want ads for free cash back on spending at specified retailers, free lounge access based on spend level in specific categories, free premium membership giveaways and other perks that are absolutely free without any strings attached. :smile:


Sounds good to me lol :+1::grin:

Great we all have different opinions. You want pop ups and ads for a few quid saving. Great.

You do. I don’t.


Who are you referring to?

I’m referring to nobody.

I don’t want ads. Others do.

That’s what forums are for. Discussion.

Oh is this still rattling on? I told you all early on to about the pitfalls of Curve becoming as ad publisher on network or data seller on the third party market.

Amex runs its “Members programme” (which essentially an affiliate programme) and drives incremental value from that using the masses of consumer transaction data that it’s customers give it all the while charging huge fees. Why customers do it I don’t know? Ego? Status? Vanity?
Not only do AMEX customers pay fees as members but they have all their behavioural, demographic data and geo data modelled into propensity models so retailers can segments that are the cusp thinking shop. They sell all this data (anonymised) to third parties target ads on any website or app that has native ads. All this data usage is lovingly wrapped in a bow of “relevant/personalised” offers to make customers feel like they’re getting added value.

It’s as creepy as when VISA in 2010 let’s some hackers play its data and they built a propensity model (a prediction model) which was highly accurate at spotting married couples that would eventually divorce up to 2 years ahead of the event. Just down to how they used their cards.

I’ve used similar platforms as a marketeer where I could target Santander, Lloyds, Hallifax and a few other banks by selecting keywords that appear in the users transaction name. If you don’t believe me take a look at Cardlytics. Basically they offer you “really great deals” which are actually data driven marketing folk like myself picking and choose segments of customers I want to push my product on. I can do that based on their transaction behaviour, competitors I want to steal customers away from, all sorts. Very creepy. Marketing teams pay a lot of money to do that. So if Curve is going down that route I would expect 1. a removal of membership fees or 2. Some seriously new revolutionary product features.

But the reality is… which I said when this first was mooted. It indicated the business model isn’t working and the original plans to sustain the business aren’t working and new way to monetise the business are needed.

@assigned_name jokes aside, I do really want to help you as I am an investor. I’ll stop pointing these things out but you make me a nice special edition bespoke black metal card and I’ll even offer you a day of my time as free consultancy on how best to monetise your app. :slight_smile:

Because everyone skips them. So Curve should introduce ads so that everyone uses an ad blocker that blocks them?

Everyone? :rofl::rofl::rofl::rofl::rofl:

But isn’t it when someone uses an ad-blocker in YouTube the creators don’t get a profit? And ultimately there will be less high quality videos on the service, it is people who keep using ad-blockers forcing them to put ads in their video, and guess what, people still watch them! Then put it in the same way, a company with a wide profit stream can allocate more funding to create a better product and ultimately better for the investors and users.

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Not me, not all the time anyway, sometimes I get too lazy to touch the screen, I can’t be the only one!

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It’s called hyperbole :wink:

Bit of a contradiction?:thinking: