Naomi

Name

Naomi

Legal name

NAOMI

Website

https://naomi.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mobile Cashback and Loyalty Platform

akta.pro primary industry

Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)

akta.pro secondary industry

Rewards, Incentives & Gift Card Program Services (MPAAAIAG)

Keywords

• Automatic cashback app
• Mobile loyalty platform
• Open banking rewards
• Retail partner commissions
• Digital gift cards

Headquarters

HQ city

Lille

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Partner Commission / Transaction Fee: Naomi earns a commission from retail partners (brands/retailers) for each transaction it generates through the platform. When users shop at partner stores using their Naomi-linked bank card, the partner compensates Naomi a share of the transaction value. This is a take-rate/transaction fee model where revenue scales with consumer spending volume. Naomi redistributes a portion (0.5-10%) to users as cashback and retains the remainder as platform revenue.
2. Gift Card / Voucher Margin: When users purchase gift cards (bons d'achat) through the Naomi app, Naomi earns a margin on the face value of the voucher purchased, in addition to any cashback credited to the user's wallet. The gift card transaction represents a two-sided revenue event.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Naomi is a French mobile loyalty and cashback application (iOS/Android) that automatically detects purchases made at 40+ partner retailers via open banking integration with the user's bank card and credits 0.5–10% cashback rewards without requiring receipt scanning or promo codes. The app also consolidates physical loyalty cards into a digital wallet, delivers personalized exclusive offers, and enables in-app gift card (bons d'achat) purchases with stacked cashback, supported by a referral program. Revenue is generated through commission sharing with retail partners and margins on gift card sales, while the app is free to consumers.

Product overview

Naomi is a French mobile loyalty and cashback application built around a single unified app available on iOS and Android. The core Naomi App powers automated cashback on everyday purchases via linked bank cards at 40+ partner retailers. It integrates two key sub-features: the Portefeuille (Digital Loyalty Wallet), which consolidates all physical loyalty cards in one place, and the Offres sur mesure (Personalized Offers) module, which delivers exclusive deals tailored to each user. A related feature is the Bons d'achat (Gift Cards) system, which lets users buy digital gift cards from partner brands and earn instant cashback, with Naomi Boost providing enhanced rates for connected bank card users. A referral (Parrainage) program rewards users for inviting friends.

Differentiator

Problem solved

Functional benefit

Brands

• Naomi Boost: A feature that enhances gift card rewards for connected users, offering increased cashback percentages on gift card purchases.

Products and services

• Naomi App Free-to-consumer mobile application (iOS/Android) that automatically detects purchases made at 40+ partner retailers via open banking integration with the user's bank card and credits 0.5–10% cashback without manual receipt scanning. Includes a digital loyalty card wallet (Portefeuille), personalized exclusive offers (Offres sur mesure), in-app gift card purchasing (Bons d'achat / Naomi Boost), and a referral program (Parrainage). Targeted at French individual consumers shopping at national retail chains.
• Bons d'achat (Gift Cards) In-app digital gift card purchasing feature where users buy partner-brand gift cards (bons d'achat) directly inside the Naomi app, receiving instant cashback credited to their cagnotte (wallet) and stacking with future spending cashback. Redeemable at 100+ partner stores. Naomi Boost provides augmented cashback rates for users who have connected their bank card.

Quantifiable outcome

• 0.5%–10% cashback automatically credited per partner transaction, paid within 5 days
• +7 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

48 partnerships are on record, tiered core, standard and minor.

• Leroy MerlincoreStrategic or Co-development Partner · 1 January 2021Major home improvement retailer partnering with Naomi for customer acquisition and loyalty activation. Case study data (January 2021–mid 2023): 1,670 new clients recruited, €742k attributed revenue, repeat business rate of 5.4x. Partners quote Ariane PROUVOST and Flore DELOBELLE.
• AuchancoreStrategic or Co-development Partner · 1 January 2021French hypermarket and grocery chain. Partnering with Naomi to acquire younger customers at competitive cost-per-contact. Case study contact: Catherine VALLAEYS.
• NorautocoreStrategic or Co-development Partner · 1 January 2021Auto services and accessories retailer. Using Naomi as a powerful tool for marketing insights and customer activation campaigns. Case study contact: Maxime BERNARD.
• BoulangercoreStrategic or Co-development PartnerMajor French consumer electronics and appliance retailer. One of Naomi's founding/flagship partner brands. Offers cashback on electronics, appliances, and media products both in-store and online.
• DecathloncoreStrategic or Co-development PartnerLeading French sporting goods retailer. Partner brand enabling cashback on sports equipment, outdoor gear, and athletic wear.
• CulturacoreStrategic or Co-development PartnerFrench retail chain for books, games, creative hobbies, and leisure products. Partner brand with cashback rewards on cultural and creative purchases.
• KiabicoreStrategic or Co-development PartnerFrench affordable fashion retailer for families. Partner brand in the fashion/lifestyle segment with cashback on clothing and accessories.
• JulescoreStrategic or Co-development PartnerFrench men's fashion brand. Partner offering cashback on men's clothing and accessories.
• BZB (Bizzbee)standardStrategic or Co-development PartnerFrench fashion retailer targeting young adults. Partner brand in the casual/streetwear fashion segment.
• RougeGorgestandardStrategic or Co-development PartnerFrench intimate apparel and swimwear brand. Partner offering cashback on lingerie and swimwear.
• 3 BrasseursstandardStrategic or Co-development PartnerFrench restaurant chain. Partner offering cashback on dining purchases.
• ChronodrivecoreStrategic or Co-development PartnerFrench drive-through grocery service (Auchan group). Partner offering cashback on online grocery orders and drive pickups.
• PimkiestandardStrategic or Co-development PartnerFrench women's fashion retailer. Partner brand in the affordable fashion segment.
• Tape à l'œil (TAO)standardStrategic or Co-development PartnerFrench children's fashion retailer. Partner offering cashback on kids' clothing.
• Il RistorantestandardStrategic or Co-development PartnerItalian-style restaurant chain in France. Partner offering cashback on restaurant dining.
• FlunchstandardStrategic or Co-development PartnerFrench restaurant chain. Partner offering cashback on restaurant meals.
• Salad&CostandardStrategic or Co-development PartnerFrench healthy fast-casual restaurant chain. Partner offering cashback on meals.
• SoGoodstandardStrategic or Co-development PartnerFrench restaurant/fast-casual brand. Partner offering cashback on dining.
• AlinéastandardStrategic or Co-development PartnerFrench home decoration and furniture retailer. Partner offering cashback on home goods and décor.
• Saint MacloustandardStrategic or Co-development PartnerFrench home improvement retailer (flooring, wallpaper, DIY). Partner offering cashback on home improvement purchases.
• AlltricksstandardStrategic or Co-development PartnerFrench online retailer specializing in cycling and outdoor equipment. Partner offering cashback on bikes and sports gear.
• NorautostandardStrategic or Co-development PartnerFrench auto service and accessories chain. Partner offering cashback on car maintenance and accessories.
• CuurestandardStrategic or Co-development PartnerFrench personalized supplement/health brand. Partner offering cashback on dietary supplements and health products. First-order promotional offers are available.
• Les Partisans du goûtstandardStrategic or Co-development PartnerFrench specialty food/grocery retailer. Partner offering cashback on gourmet and specialty food purchases.
• LukominorStrategic or Co-development PartnerFrench home insurance provider. Partner offering cashback on insurance products.
• YesparkminorStrategic or Co-development PartnerFrench parking space rental service. Partner offering cashback on parking.
• DalmaminorStrategic or Co-development PartnerFrench pet insurance brand. Partner offering cashback on pet insurance.
• BaltminorStrategic or Co-development PartnerPartner brand referenced in the referral/partner onboarding page.
• EnebaminorStrategic or Co-development PartnerMarketplace for video games and software keys. Partner offering cashback on gaming purchases.
• Electro DépôtminorStrategic or Co-development PartnerFrench electronics and appliance discount retailer. Partner offering cashback on electronics and appliances.
• WecasaminorStrategic or Co-development PartnerFrench home services platform (cleaning, childcare, beauty). Partner offering cashback on services.
• Le FourgonminorStrategic or Co-development PartnerFrench bulk/zero-waste grocery delivery service. Partner offering cashback on sustainable grocery orders.
• BonnuitminorStrategic or Co-development PartnerPartner brand referenced in the referral/partner onboarding page.
• CheerzminorStrategic or Co-development PartnerFrench online photo product service (albums, prints, framed photos). Partner offering cashback on photo products.
• RitualsminorStrategic or Co-development PartnerLuxury home and body care brand. Partner offering cashback (6.5% rate) on beauty and home fragrance products.
• Nature et DécouvertesminorStrategic or Co-development PartnerFrench retailer for nature-inspired home goods, outdoor equipment, and experiences. Partner offering cashback.
• The RaffineursminorStrategic or Co-development PartnerFrench gourmet specialty food retailer. Partner offering cashback on artisanal food products.
• AnybuddyminorStrategic or Co-development PartnerFrench sports court and venue booking app. Partner enabling cashback or promotional offers on sports facility reservations.
• PicWicToysminorStrategic or Co-development PartnerFrench toy retailer. Partner offering cashback on toys and children's products.
• HeetchminorStrategic or Co-development PartnerFrench ridesharing/taxi app. Partner offering cashback on transportation.
• TrainMeminorStrategic or Co-development PartnerFrench outdoor fitness and sports training platform. Partner offering cashback on sports coaching sessions.
• ZôdiominorStrategic or Co-development PartnerFrench home decoration and cooking equipment retailer. Partner offering cashback on home and cooking products.
• AlinéastandardStrategic or Co-development PartnerFrench home decoration and furniture brand. Partner offering cashback on home goods and décor.
• PicWicToysminorStrategic or Co-development PartnerFrench toy retailer. Partner offering cashback on toys and kids' products.
• AlltricksstandardStrategic or Co-development PartnerFrench online cycling and outdoor gear retailer. Partner offering cashback on bikes and outdoor equipment.
• EnebaminorStrategic or Co-development PartnerVideo game key marketplace. Partner offering cashback on gaming purchases.
• Powens (formerly Budget Insight)coreTechnology or IntegrationBanking aggregation platform regulated by ACPR and Banque de France. Powers Naomi's open banking connection to users' bank accounts, enabling automatic transaction detection without storing bank credentials on Naomi's servers.
• Google Ireland LimitedcoreTechnology or IntegrationHosting provider for Naomi's mobile application and website. Located at Gordon House, Barrow Street, Dublin 4, Ireland. Tel: +353 1 436 1000.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Poulpeo: French cashback platform with comparable retailer partner network and consumer-facing cashback mechanics, targeting the same everyday-shopper persona as Naomi.
• iGraal: France's leading cashback platform, owned by M6 Group. Directly competes with Naomi on automatic cashback, partner retailer breadth, and user referrals in the French market, with a larger marketing budget and longer operating history.
• Joko: French cashback and money management app, backed by Société Générale. Competes head-to-head with Naomi on automatic bank-linked cashback rewards and personalized offers for French consumers.
• Widilo: European cashback and voucher platform active in France. Overlaps directly with Naomi on partner retailer cashback offers, browser extension vs. open banking being the main product differentiator.
• Shopmium: France-based cashback app offering receipt-based rewards at major retailers. Closely comparable in target market and partner relationships, though differentiated by its receipt-scanning (vs. Naomi's automatic) model.

Broad incumbents

• Rakuten (France): Global cashback and marketplace incumbent with a large French user base. Competes indirectly with Naomi on cashback rewards and partner retailer relationships, but operates a broader e-commerce marketplace rather than a pure loyalty app.

Emerging players

• Buyapowa: Referral and loyalty platform powering brand-run programs. Comparable to Naomi's B2B partner activation layer (referrals, personalized offers) and useful as a benchmark for the B2B-side platformization opportunity.
• Antavo: B2B loyalty cloud platform enabling brands to launch their own loyalty programs. Relevant as both a competitor to Naomi's B2B value prop (helping brands do loyalty themselves) and a potential partner/integration target.
• Open Loyalty: Headless loyalty engine for retailers. Comparable as a B2B-side loyalty infrastructure layer that retailers could choose instead of partnering with Naomi, representing both a competitor and a complement to Naomi's offering.
• LoyaltyLion: E-commerce loyalty platform for Shopify merchants. Comparable to Naomi in the loyalty/rewards space with a different go-to-market (D2C SMB e-commerce vs. omnichannel French retail), useful as a structural benchmark.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/watch?v=LzQSQGtvD-E&t=1s
• Facebookfacebook.com/Naomiappfr
• Instagraminstagram.com/naomi_app_fr
• Xx.com/naomicashfr

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Naomi