Kobie Marketing

What Kobie Marketing does

Kobie Marketing, Inc. is a privately held US enterprise loyalty technology and services company headquartered in St. Petersburg, Florida, with a Bengaluru, India technology hub opened in July 2026. Founded in the late 1980s/early 1990s, the company operates for approximately 251-500 employees and serves global brands across retail, financial services, travel & hospitality, QSR, telecom, and entertainment verticals — disclosed clients include Enterprise Mobility, Amtrak, CO-OP Financial Services, Verizon, and TJX.

The company's core offering is the Kobie Alchemy® Loyalty Cloud (KALC), an AI-powered, composable enterprise platform composed of five integrated modules: Loyalty Data Engine (Panoramic Customer Profiles™ integrating transactional, behavioral, emotional, and zero-party data), Loyalty Management (with the proprietary Bonnie™ AI Loyalty Assistant), Personalization Hub (with agentic Kobie Loyalty Interaction Cues — KLICs™), Rewards Hub, and Zero-Party Data Hub. Supporting proprietary assets include Emotional Loyalty Scoring (ELS®), the annual Heart of Loyalty research study fielded across six countries, and the Kobie LaunchPad talent program.

Kobie operates a "SaaS Plus" go-to-market model, combining multi-year subscription licensing of the KALC platform with a strategic managed services layer spanning Strategy & Intelligence, Orchestration & Optimization, Experience & Content Delivery, Performance & Growth, and Data/Tech/AI Enablement. Pricing is quote-based and not publicly disclosed. Distribution is exclusively direct enterprise sales, targeting C-suite and VP-level buyers across marketing, customer experience, and loyalty strategy roles. The company is the only vendor named a Leader in both Forrester Wave reports — Loyalty Platforms (Q4 2025) and Loyalty Services (Q2 2024) — and is recognized as a Customer Favorite, supported by ten consecutive years on the Inc. 5000 and multiple Stevie Awards.

Name

Kobie Marketing

Legal name

Kobie Marketing, Inc.

Website

https://kobie.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

251–500 employees

Short description

Kobie Marketing is a privately held US enterprise loyalty technology and services company that operates the Kobie Alchemy® Loyalty Cloud platform for global brands across retail, financial services, travel & hospitality, QSR, telecom, and entertainment verticals via a SaaS Plus model.

Ownership category

akta.pro rank

Product category

Enterprise Loyalty Technology

NAICS

Software Publishers (5132), Advertising, Public Relations, and Related Services (5418), Software Publishers (51321)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Loyalty, Rewards & Retention Platforms (BPAFAFAH)

akta.pro secondary industries

Loyalty Technology Platforms (LMS, Wallets, APIs) (THABAKAH), Customer, Marketing & Sales Consulting (BPAHACAG), Direct Response & Database Marketing (Mailing Lists, Data Hygiene) (MPAAAIAK), Airline Loyalty & Customer Engagement (FFP/CRM/CDP) (THALABAG)

Keywords

• Enterprise loyalty platform
• Customer loyalty technology
• Loyalty program management
• AI personalization software
• Loyalty strategy services

Headquarters

HQ city

St. Petersburg

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Technology Platform Licensing: SaaS-based loyalty technology platform (Kobie Alchemy® Loyalty Cloud) licensed to enterprise clients. Platform includes modular components: Loyalty Data Engine, Loyalty Management, Personalization Hub, Rewards Hub, and Zero-Party Data Hub.
2. Strategic Loyalty Services: Managed services including Strategy & Intelligence, Orchestration & Optimization, Experience & Content Delivery, Performance & Growth, and Data/Tech/AI Enablement. Provided through SaaS Plus model combining technology with expert services.
3. Professional Services: Strategic consulting engagements for loyalty program design, implementation, and optimization including loyalty program migration, transformation projects, and ongoing program management.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Kobie Marketing sells the Kobie Alchemy® Loyalty Cloud (KALC), an enterprise loyalty technology platform powered by AI, high-fidelity data unification, and the Bonnie™ AI Loyalty Assistant. The platform is sold as a composable suite (Loyalty Data Engine, Loyalty Management, Personalization Hub, Rewards Hub, Zero-Party Data Hub) via a SaaS Plus model that bundles platform licensing with strategic managed services including program design, orchestration, optimization, and ongoing performance management for large enterprise brands.

Product overview

Kobie Marketing offers the Kobie Alchemy® Loyalty Cloud (KALC), an AI-powered enterprise loyalty technology platform. The platform is architected as a composable suite of integrated modules: the Loyalty Data Engine (Panoramic Customer Profiles), Loyalty Management (program configuration and orchestration with Bonnie AI), Personalization Hub (AI-driven KLICs and offer optimization), Rewards Hub (Rewards Marketplace), and Zero-Party Data Hub. These modules work together as a unified system to deliver end-to-end personalization at scale, powered by high-fidelity data and the Bonnie™ AI Loyalty Assistant. Kobie also provides strategic services including Strategy & Intelligence, Orchestration & Optimization, Experience & Content Delivery, Performance & Growth, and Data, Tech & AI Enablement. The company publishes annual Heart of Loyalty Research and operates Kobie LaunchPad, an AI hackathon program for university students in India.

Differentiator

Problem solved

Functional benefit

Brands

• Kobie Alchemy® Loyalty Cloud: Enterprise loyalty technology platform that delivers end-to-end personalization at scale, powered by AI and data unification capabilities
• Bonnie™
• Panoramic Customer Profiles™
• Kobie LaunchPad
• Heart of Loyalty

Products and services

• Kobie Alchemy® Loyalty Cloud (KALC) Industry-leading AI-powered loyalty technology platform designed to drive engagement, retention, and long-term brand loyalty for enterprise clients. Functions as an enterprise growth engine powered by AI and built on Kobie's core product suites.
• Loyalty Data Engine Powers loyalty strategy with Panoramic Customer Profiles integrating transactional, behavioral, emotional, and zero-party data. Provides high-fidelity data to fuel better personalization and outcomes for enterprise clients.
• Loyalty Management Configures loyalty programs and orchestrates customer experiences with full control and visibility. Includes Bonnie AI Loyalty Assistant and intuitive tools for forecasting and ROI tracking for enterprise program managers.
• Personalization Hub AI-driven personalization toolkit featuring agentic KLICs (Kobie Loyalty Interaction Cues), offer optimization, and contextual signals to orchestrate personalized and dynamic customer experiences for enterprise brands.
• Rewards Hub Rewards Marketplace offering breadth and depth of rewards and benefits with personalization capabilities to keep customers engaged before, during, and between transactions at configurable cost structures for enterprise brands.
• Zero-Party Data Hub

Quantifiable outcome

• 18% increase in post-call spend through governed AI implementations
• +4 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature9 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Enterprise MobilitycoreStrategic or Co-development Partner · 7 August 2024Partnership for modernizing Enterprise Mobility's travel loyalty program. Kobie enabled seamless migration to its technology platform without disruption to customer experience, integrating advanced features and promotional capabilities across global regions. Migration converted millions of members across thousands of locations with uninterrupted service.
• CO-OP Financial ServicescoreStrategic or Co-development PartnerCredit union network partnership where Kobie helped CO-OP quickly scale a new loyalty solution using SaaS Plus model to deliver measurable results for credit union members. Focus on relationship banking and card loyalty programs.
• ProdegeminorStrategic or Co-development PartnerResearch partnership for Heart of Loyalty global studies. Prodege is a leading global research panel provider enabling consistent sampling across six countries for consumer loyalty research.
• St. Petersburg Free ClinicminorOthersCommunity partnership supporting the St. Pete Free Clinic. Kobie sponsors events including Battle of the Minds and encourages volunteer time. Partnership reflects company's commitment to community giving back.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Yotpo: Loyalty, reviews, and SMS marketing platform with overlapping enterprise retail and consumer brand customers; competes on AI-powered personalization and retention use cases.
• Punchh (PAR Technology): Loyalty and engagement platform purpose-built for restaurants and QSR — directly comparable to Kobie's QSR solutions and a flagship QSR loyalty competitor.
• Antavo: Cloud-native loyalty platform competing in the enterprise loyalty technology space with similar composable architecture and personalization capabilities; Forrester Wave participant alongside Kobie.
• Brierley+Partners: Long-standing enterprise loyalty strategy and technology agency serving many of the same Fortune 500 brands across retail, travel, and financial services — direct competitor in loyalty services and platform implementations for large enterprise programs.
• SessionM (Mastercard): Enterprise customer engagement and loyalty platform (now part of Mastercard) targeting similar verticals with comparable SaaS-plus-services delivery and AI-driven personalization.

Emerging players

• Marigold Engage (Sailthru): Lifecycle marketing and loyalty platform serving retail and travel brands with personalization and CRM capabilities that overlap with Kobie's enterprise consulting-led delivery.
• Comarch Loyalty: Loyalty management platform with telco and financial services depth; comparable composable platform architecture and enterprise vertical focus.

Broad incumbents

• Maritz Motivation: Broader loyalty, incentives, and customer experience incumbent operating across multiple verticals; overlaps with Kobie's customer base but offers a wider portfolio beyond core loyalty.
• Epsilon (Publicis): Large-scale data, loyalty, and martech incumbent with deep enterprise client overlap; offers overlapping loyalty and CRM capabilities but as part of a much broader marketing services portfolio.
• Merkle (Dentsu): Enterprise CRM and loyalty solutions provider within Dentsu's customer experience portfolio; competes for similar enterprise loyalty transformation RFPs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kobie-marketing
• Instagraminstagram.com/kobie_marketing

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kobie Marketing