The Real-World
Behavior Layer
for AI.
Your AI already knows what customers do on screens. LocatIQ gives it the other twenty-one hours — where people go, how often, in what sequence, and with what intent. First-party, consented, store-level accurate. No hardware. No third-party data.
Empower contextual & real-time engagement, fraud prevention, risk scoring and all your internal AI models.
Trusted by industry leaders across 4 continents
Three Forces Making
This Decision Urgent Now
The window for deploying first-party location intelligence is narrowing — and once a cardholder's habitual top-of-wallet choice is set, it's expensive to change.
Apple & Google Killed Third-Party Location Data
iOS ATT and Android privacy changes have made external location data increasingly unreliable and legally exposed. The only defensible architecture is first-party data collected inside your own app — which is exactly what LocatIQ enables.
Transaction Data Arrives After the Purchase Decision
Your card network tells you where a cardholder spent — after the money is gone. LocatIQ tells you where they're standing right now, before they open their wallet. That 90-second window is where card preference is decided.
Whoever Shapes the Habit First, Keeps It
Card issuers running real-time location-triggered engagement capture lasting advantages in top-of-wallet preference. Once a customer's habitual card choice is set, it's costly to dislodge. The question is whether you're shaping that habit — or losing it to whoever does.
Modern AI Lacks
Real-World Context.
Enterprises are making expensive decisions in the dark. Digital data is saturated — but physical-world behavior, where economic intent actually happens, stays invisible to current models.
A saturated digital surface
Every model in your stack is trained on the same commoditized digital exhaust. It describes roughly three hours of a customer's day — and nothing about the other twenty-one.
The $4T offline economy
Where people go, how frequently they return, what they do before and after, and the spending context around it. Structurally absent from every model — not because it's unimportant, but because nobody has been able to capture it responsibly at scale.
The Offline Blind Spot
Is Structural.
No enterprise closes this by connecting more tools. The real-world behavior layer only works if three separate parties trust it at the same time — which is precisely why it has never been built.
ENTERPRISE TRUST
Banks, fintechs, and retailers must trust that the data layer will protect their users, preserve consent, and create enough value to justify integration.
PLATFORM TRUST
Apple and Google must see responsible background-location behavior: low battery impact, minimal unnecessary prompts, and privacy-safe collection logic.
USER TRUST
Users must understand the value, grant permission, and keep it enabled over time. If prompts feel invasive or notifications feel irrelevant, consent disappears.
NOT ENOUGH DATA
No single enterprise has enough consented, high-quality, cross-context physical behavior data on its own.
AGGREGATION IS DYING
Third-party aggregation is collapsing under privacy regulation. First-party, permissioned data is the only durable path.
RAW GPS ISN'T BEHAVIOR
Coordinates don't tell you what someone did. Venue-level interpretation does.
HARDWARE ISN'T A GRAPH
Beacons and cameras solve buildings, not behavior graphs. They don't travel with the customer.
The Real-World Behavior Layer
That Gives AI Physical Context.
A first-party physical-world behavior graph your AI can train on, query, and act on — without violating privacy or relying on hardware.
Real-World Signals
Consented signals collected first-party, inside the apps your customers already trust.
The Behavior Graph
Signals become behavior: who, where, how long, how often, and in what sequence. This is a behavioral system — not raw GPS, not geofencing, not breadcrumbs.
AI Systems
Physical context flows into the models you already run — improving decisions you're already making.
Five Stages of Location.
Only One Predicts Intent.
Every previous generation solved part of the problem and stalled. Store-level, on-device predictive intent — powered by first-party data and AI — is where the category ends up.
3P Panels
Cookies & MAIDs. Coarse, not actionable — and structurally exposed to privacy regulation.
1P Geofence
First-party, but low accuracy. Knows the neighborhood, not the store.
1P Purchase History
Reactive and stale. Confirms what already happened; can't influence what happens next.
1P Sensor Hardware
Costly and limited in scale. Solves buildings you own, not customers as they move.
1P AI Prediction Engine
- Store-level polygon precision
- Minute-level freshness
- Indoor + outdoor coverage
- No hardware
- Battery-safe, event-driven capture
One Privacy-Safe Behavior Graph.
Many Enterprise Decisions.
The same layer feeds every team that needs to know where a customer actually is, when it's happening, and with what intent.
INTENT
LIFECYCLE CONTEXT
RISK CONTEXT
REALITY-GROUNDED SEGMENTS
Travel & Cross-Border Spend
Pre-authorize foreign spend and reduce false declines before the customer is standing at the terminal.
Credit & Lending
Improve credit scoring with behavior context; detect new-job and new-income patterns as they emerge.
Next-Best-Offer
Trigger on real moments: moving home, car shopping, big-purchase windows.
Fraud & Security
Location-aware step-ups, impossible-travel detection, and fewer false positives on legitimate customers.
Customer Marketing
Real-world segment lift: high-spend clusters and competitor switchers, identified by behavior not guesswork.
Affluent Prediction
Identify high-value users who are invisible to income-only or deposit-only models.
Churn & Lifecycle
Detect fading engagement, lifestyle change, and negative signals early enough to act on them.
Loyalty & Retail Media
Merchant-funded offers delivered at the moment of intent, with closed-loop attribution.
Two Products. One Outcome:
Measurable Revenue Lift.
EngageIQ
Mobile Engagement Platform — the complete real-time location trigger engine that turns physical presence into personalized card offer delivery.
- Store-level geofencing: indoor & outdoor, no hardware
- Real-time push notification triggers via your existing push provider
- Audience segmentation by visit pattern, frequency & dwell time
- Card offer decisioning: right offer, right cardholder, right moment
- A/B test infrastructure with control group management
- Closed-loop attribution: notification → card transaction
- iOS & Android SDK · under 200KB · 2-day integration
InsightIQ
Data & AI Intelligence Platform — behavioral intelligence from real-world visit patterns that powers your data science team and enriches your predictive models.
- Physical visit frequency, dwell time & visit pattern analytics
- AI-powered next purchase prediction models
- Advanced audience segmentation for CRM export
- Alternative credit scoring signals from merchant visit patterns
- Merchant intelligence for lending & portfolio decisions
- Competitive footfall benchmarking
- API-first architecture integrates with your data warehouse
Built for Every Player
in the Engagement Ecosystem
Payments & Banking
Engage cardholders before the transaction. Drive top-of-wallet usage, offer redemption lift, and card activation at the moment of purchase intent.
Loyalty Platforms
Drive foot traffic to merchant partners. Influence shopping journeys and channel engagement at exactly the right physical moment.
Shopping & Retail
Increase store visits and sales with location-triggered engagement that meets customers when they're in buying mode — inside or outside your store.
Telecom
Grow into payment and loyalty platforms by leveraging physical purchase intent. Create new revenue streams from your mobile subscriber base.
E-Commerce
Bridge online and offline. Discover your customers' in-store journeys to segment, engage and drive incremental omnichannel sales.
BNPL & Fintech
Trigger usage at merchant locations. Drive activation for new accounts with real-time location signals that competitor BNPL apps can't match.
Privacy by Design
Is Not a Feature.
It's Our Architecture.
We are structurally incapable of selling your customers' data — because we never hold it. Location events are processed in real time to generate a trigger. The raw coordinates are not retained, transmitted, or stored in attributable form. There is nothing to breach. Nothing to subpoena. Nothing to audit annually.
What This Means When Your Regulator Asks
"What consumer location data do you hold with this vendor?" — The answer is three sentences: It comes from your app. It's processed to generate an engagement trigger for you only. LocatIQ cannot access, retain, or sell it. That audit takes 20 minutes and comes back clean.
Proof, Not Promises.
Real Campaigns. Real Clients.
23 case studies from live deployments across banking, retail, and loyalty. Filter by client or browse all.
Better conversion rate, reaching over 30,000 customers.
Drove incremental card usage with an 11x conversion rate.
Drove incremental revenue with a 64.23% conversion rate.
Real-time engagement helped retain location permission 2.4x longer.
Exceeded credit card spending target, achieving 116% of goal.
Conversion uplift achieved by targeting customers at the right time and location.
Customer redemption uplift during the campaign, with 24% post-campaign sustained lift.
Increased conversion rate compared to other channels.
Improved notification-to-purchase rate for churned customers.
Conversion rate among churned customers, driving a 72% increase in revenue vs. previous months.
Achieved 6.4% notification-to-purchase compared to traditional campaigns.
Increased conversion (notification-to-purchase) by 5x.
Increased notification-to-store visits by 3x.
Reached 14.6% intention-to-buy and 3.3% notification-to-purchase on the personal loan campaign.
Real-time programmatic remarketing ads on outdoor displays achieved a 60% increase in efficiency.
Increased customer base with location permission by 2.5x.
Reached 2.3% notification-to-purchase on the personal loan campaign.
Increased notification-to-click by 20x.
Increased visits to Adidas retail stores by 61%.
Reached 229% higher notification-to-store with the most effective message content.
Reached 6.5% notification-to-purchase on their new deposit account opening campaign.
19.9% of ski resort visitors applied for the credit card — 15x the industry average, with a 20% spending increase.
Eco-location-triggered sustainability campaign drove a 380% lift in conversion and a 251% rise in app usage.
Trusted by Leaders Who
Measure Everything
Our partnership with LocatIQ led to a significant increase in our credit card transaction frequency, volume and customer loyalty.
LocatIQ has been an invaluable partner, helping us leverage data and technology to enhance contextual marketing, strengthen customer relationships, and meet the evolving needs of millions, perfectly aligned with our priorities and beyond.
As KPMG, we support the end-to-end service we have been providing to the financial services sector with our collaboration with value-added fintech companies such as LocatIQ. Touching and accompanying the customer at every stage, making their journey more enjoyable and easier, and providing better service are possible with LocatIQ's technology that offers the right actionable insight at the right time.
We partnered with LocatIQ to understand the purchase behavior of the customers even before they make that particular purchase. With LocatIQ's capabilities, we are able to engage with customers with timely push notifications to influence their buying behavior and to create delightful shopping experiences.
Integration That Won't
Break Your Sprint Cycle.
We built LocatIQ with the understanding that your mobile team is the gatekeeper — and that you need to be able to say yes without adding risk to your app's performance, security, or release schedule.
ISO 27001:2022 Compliant
Full ISO 27001:2022 certification available for your InfoSec team
AppSec Package Ready
Binary composition report, data flow diagram, pen test results — ready to submit
Privacy Documentation
Pre-built DPA, DPIA template, CCPA compliance documentation
Dedicated Integration Engineer
Named engineer on your Slack/Teams for the first 30 days
Existing Stack Integration
Works with Braze, Salesforce MC, Firebase — no rip-and-replace
Bank Reference Docs
Integration playbooks from live bank deployments available on request
Forbes Fintech 50
Named among the world's 50 most promising fintech companies
Visa Innovation Program
Selected for the Visa Innovation Europe Program
Smarties X Global
Finalist — Real-Time Marketing category, MMA Global Awards
4 Continents
Live deployments across North America, Europe, Asia and Africa
Recognition, Milestones
& What We're Up To.
A running log of awards, partnerships, and appearances from the LocatIQ (Mall IQ, Inc.) team.
Named "The Global Fintech" by KPMG
LocatIQ was honored for the second consecutive year within KPMG's Pioneers of Digital Finance program, recognized alongside the Fintech Association of Uzbekistan.
Read more →Team Members Join Women in Tech Advisory Council
Two members of our team were selected to the Young Advisory Council of the Women in Tech Association, at a launch event hosted by Mastercard.
Read more →Bronze at the MMA Smarties MEA Awards
Our real-time engagement campaign with Türkiye İş Bankası, "Ski, Spend, Save," took home Bronze in the Personalization category.
Read more →On the Loyalize Podcast
Our Co-Founder & CEO joined the Loyalize Podcast to talk about balancing precision and empathy in loyalty, and where location intelligence takes customer engagement next.
Read more →On Stage at Finovate
Our CEO and COO showed how LocatIQ helps financial institutions unlock high-value customers, drive card activation, grow wallet share, and reduce risk with AI.
Read more →B2B SaaS Startup of the Year — Nexus Awards
Selected from more than 800 nominees across MENAPT, Central Asia and the Caucasus at the 2025 Nexus Awards in Baku, powered by Scale AI.
Read more →Global Fintech of the Year
KPMG Türkiye and Istanbul Fintech Week recognized LocatIQ in the "Pioneers of Digital Finance 2025" program for our privacy-first approach to customer engagement.
Read more →MMA Smarties Silver — Sustainable Real-Time Banking
Our "Geleceğe Orman" project with Türkiye İş Bankası won Silver in Social Impact Marketing at the MMA MEA Smarties Awards.
Read more →MMA MENA Smarties Gold — with NBK
Our "Activation & Wallet Share Campaign" with National Bank of Kuwait, using location-powered audience retargeting, won Gold at the MMA MENA Smarties Awards.
Read more →Built by Practitioners.
Not by Ad-Tech
Executives.
LocatIQ was founded by practitioners who built location and data infrastructure from inside banks and mobile platforms — not by ad-tech executives pivoting to fintech. We understand bank procurement, AppSec requirements, compliance constraints, and closed-loop attribution from the inside because we've been on the other side of that table.
5201 Great America Pkwy Suite 320
Santa Clara, CA 95054
United States
Built by People Who Have
Shipped This Before.
Co-founders from Cisco, Qualcomm and Fuze, plus a global operations and ML team across four countries.
Batu Sat, Ph.D.
20+ years in R&D and enterprise ML/AI. Ph.D., University of Illinois.
Ferit Ozan Akgul, Ph.D.
15+ years in location and wireless systems. Ph.D., Worcester Polytechnic Institute.
Firuze Duygu Caliskan, M.Sc.
15+ years in global operations and customer success. M.Sc., Missouri S&T.
SAN FRANCISCO (HQ) · NEW YORK · ISTANBUL · SINGAPORE
As AI moves from insight to decision-making,
it needs to understand the physical world.
When it needs to know where someone actually is, when behavior is happening, and with what intent — it will call LocatIQ.
Give Your AI the
Physical World.
See what the behavior layer surfaces inside your own app — with your users, your venues, and your models.