Customer Stream
CustomerStream, founded in 2006 and headquartered in Franklin, TN, sells SaaS referral marketing (ReferLive) and cash-back relationship rewards (Incentifi) software exclusively to US banks and credit unions, with embedded integrations into Jack Henry Banno and Alkami digital banking platforms.
- Company typePrivate
- Founded2006
- HeadquartersFranklin, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Customer Stream does
CustomerStream, LLC is a privately held SaaS company founded in 2006 and headquartered in Franklin, Tennessee, that sells referral marketing and relationship rewards software exclusively to US banks and credit unions. Its two core platforms are ReferLive, positioned as the industry's only omni-channel referral system purpose-built for financial institutions, and Incentifi, a cash-back relationship rewards engine that rewards accountholders for behaviors such as direct deposit, debit card usage, savings growth and product adoption. Add-on modules — ReferLive DBX (digital banking embedded experience), ReferLive @Work (workplace banking), Employee Referral Program, and Incentive Program Management — extend the suite into embedded digital banking, employer-based acquisition, employee-driven referrals and automated offer management. The company reports that its software powers referral and loyalty programs in over 6,500 banking centers across hundreds of US financial institutions.
The technology stack is a cloud-native SaaS hosted in SOC-compliant, US-based Microsoft Azure data centers using FFIEC-compliant architectures, with private network isolation, NGFW perimeter security, IDPS, 24x7 monitoring, tenant segregation, TLS 1.2 encryption in transit and AES-256 at rest, plus annual penetration testing. CustomerStream holds SOC 2 Type 2, SOC 3, PCI, CCPA and GDPR compliance and operates as a designated service provider processing NPI on behalf of FIs. Distribution is primarily channel-partner driven: ReferLive is embedded inside Jack Henry's Banno Digital Banking Platform (reaching ~7,500 FIs via Jack Henry's 950+ fintech ecosystem) and inside the Alkami Digital Platform, with additional tested integrations into LuminDigital, Fiserv and Q2. Direct enterprise sales, executive webinars and demo-request funnels complement the partner motion. Revenue is generated through custom-priced annual subscription SaaS contracts with banks and credit unions; pricing is not publicly disclosed. The company is founder-led by Jeff Dewald and operates without disclosed external venture or private equity funding.
Customer Stream firmographics
Firmographics- Name
- Customer Stream
- Legal name
- CustomerStream, LLC
- Website
- https://customerstream.net
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CustomerStream, founded in 2006 and headquartered in Franklin, TN, sells SaaS referral marketing (ReferLive) and cash-back relationship rewards (Incentifi) software exclusively to US banks and credit unions, with embedded integrations into Jack Henry Banno and Alkami digital banking platforms.
- Ownership category
- akta.pro rank
Customer Stream industry classification
Industry- Product category
- Banking Marketing SaaS
- NAICS
- Software Publishers (513210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Affinity, Membership & Association Referral Programs (FSAEAMAL)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Software/SaaS Subscriptions (Consumer & Prosumer) (CRAFAIAB)
Keywords
Where Customer Stream is headquartered
LocationHeadquarters
- HQ city
- Franklin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Customer Stream business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D
Revenue model
- SaaS Platform Licensing: CustomerStream provides software as a service to financial institutions, powering referral and loyalty programs. The company operates as a designated service provider for financial institutions, delivering automated platforms that process NPI data. Revenue is generated through platform licensing to banks and credit unions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom enterprise pricing for financial institutions |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Customer Stream product offering
Product offeringCore offering
CustomerStream provides cloud-based SaaS software that automates referral and relationship reward programs for banks and credit unions. Its two core product lines, ReferLive (omni-channel referral marketing) and Incentifi (cash-back relationship rewards), along with modules for digital banking integration, workplace banking, employee referrals, and incentive program management, enable financial institutions to acquire, engage, and retain account holders through compliant, automated experiences delivered across digital, branch, and workplace channels.
Product overview
CustomerStream offers a platform-plus-modules architecture centered on two core product lines: ReferLive (referral marketing) and Incentifi (relationship rewards). ReferLive serves as the omni-channel referral platform with modules including ReferLive DBX (digital banking integration), ReferLive @Work (workplace banking), and Employee Referral Program. Incentifi provides cash-back relationship rewards with an Incentive Program Management module for offer management and Dynamic Budget Setting for automated budget controls. The products work together to automate referral and loyalty programs for banks and credit unions, enabling account acquisition, engagement, and retention through compliant, fully automated experiences.
Differentiator
Problem solved
Functional benefit
Brands
- ReferLive: Industry's only omni-channel referral marketing platform designed exclusively for financial institutions. Delivers 100% compliant, fully automated referral experiences for high-value account holders.
- ReferLive DBX
- ReferLive @Work
- Employee Referral Program
- Incentifi
- Incentive Program Management
Products and services
- ReferLive Industry's only omni-channel referral marketing platform designed exclusively for financial institutions. Delivers 100% compliant, fully automated refer-a-friend experiences enabling account holders to refer friends via digital, social, text, email, and branch channels across retail checking, small business checking, credit cards, auto loans, mortgages, and HELOCs.
- ReferLive DBX Embedded refer-a-friend experience within digital banking platforms. Enables consumers to refer friends directly from home and mobile banking with quick-action menus and real-time reward tracking, with tested integrations to Jack Henry Banno, Alkami, LuminDigital, Fiserv, and Q2.
- ReferLive @Work Workplace banking account acquisition module that amplifies the impact of workplace banking and financial literacy programs by promoting new retail account openings, integrating with new employee orientations and financial education/wellness workshops.
- Employee Referral Program Fully automated employee referral program enabling frontline and back-office employees to enter referrals and recommend product offers to existing account holders as part of daily transaction and service conversations.
- Incentifi Cash-back relationship rewards platform that integrates into online and mobile banking, enabling financial institutions to reward accountholders for behaviors that drive primacy including direct deposit, debit usage, savings growth, product adoption, and digital engagement.
- Incentive Program Management Automated reward fulfillment platform for managing incentivized acquisition campaigns at scale, reducing program reward costs by up to 50% while delivering frictionless reward experiences and providing offer tracking and program reporting.
Quantifiable outcome
- ReferLive multi-product referral platform generates an average 30% boost to loan growth and deposits
- +11 more outcomes
Companies that use Customer Stream
Customer profileNamed customers48 records
Segments3 records
Ideal customer profiles1 record
Customer Stream technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability2 records
Feature6 records
Customer Stream partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Alkami Technology Inc.coreCustomerStream partnered with Alkami Technology Inc. to deliver a fully automated digital refer-a-friend platform for credit unions and banks. Through this strategic partnership, CustomerStream has integrated its ReferLive account acquisition engine into the Alkami Digital Platform to drive deposit and loan growth using the power of account holder referrals. Alkami is a leading cloud-based digital banking solutions provider for financial institutions in the United States.
- Jack Henry & Associates (Banno Digital Banking)coreCustomerStream announced that ReferLive is now accessible through the Jack Henry digital banking platform. ReferLive leveraged the Banno Digital Toolkit APIs to embed its technology into the digital experiences offered by community and regional financial institutions. This integration contributes to Jack Henry's growing ecosystem of over 950 fintechs, providing approximately 7,500 financial institutions with relevant financial products and services.
Scale indicators12 records
Recent moves6 records
Expansion highlights5 records
Customer Stream competitors and assessment
Company assessmentDirect peers
- Friendbuy: Referral and loyalty marketing SaaS used by consumer brands and financial services. Competes with ReferLive in the FI referral program niche with similar SaaS delivery model.
- Extole: Enterprise referral marketing platform serving financial services among other verticals. Comparable SaaS-based referral infrastructure competing with ReferLive.
- Mention Me: Referral marketing platform with financial services customers. Comparable omni-channel referral SaaS competing for FI referral budgets.
- Annex Cloud: Loyalty and referral marketing platform with financial services clients. Competes with the ReferLive + Incentifi stack across loyalty program management.
- Amplifinity: Referral marketing platform purpose-built for financial institutions. Direct overlap with ReferLive in providing compliant refer-a-friend programs for banks and credit unions.
- Tango Card: Digital rewards and incentives platform powering cash-back and gift card fulfillment. Direct overlap with CustomerStream's Incentive Program Management and Incentifi rewards offerings.
Emerging players
- Yiftee: Digital gifting and rewards platform used by community banks and credit unions. Adjacent offering that overlaps with CustomerStream's cash-back and account acquisition use cases.
Broad incumbents
- Fiserv: Major core banking and digital banking vendor with tested ReferLive DBX integration. Also competes indirectly through bundled marketing/account acquisition tooling available to FIs.
- CrowdTwist (Oracle): Loyalty and engagement platform owned by Oracle, used across financial services. Broader, better-capitalized alternative to Incentifi for relationship rewards programs at FIs.
- Blackhawk Network: Large-scale rewards, gift card, and incentive payments network. Overlaps with CustomerStream's Incentive Program Management and relationship rewards at the fulfillment layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Customer Stream social profiles
Digital presenceCustomer Stream compliance and trust
Trust signalCompliance5 records
Customer Stream financial estimates
Financial estimateRevenue estimate
Valuation estimate
Customer Stream leadership team
Management profileNumber of profiles
Profiles1 record
Customer Stream funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Customer Stream M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Customer Stream
What does Customer Stream do?
CustomerStream provides cloud-based SaaS software that automates referral and relationship reward programs for banks and credit unions. Its two core product lines, ReferLive (omni-channel referral marketing) and Incentifi (cash-back relationship rewards), along with modules for digital banking integration, workplace banking, employee referrals, and incentive program management, enable financial institutions to acquire, engage, and retain account holders through compliant, automated experiences delivered across digital, branch, and workplace channels.
Is Customer Stream a public or private company?
Customer Stream is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Customer Stream founded?
Customer Stream was founded in 2006. It employs 11 to 50 people.
Where is Customer Stream based?
Customer Stream is headquartered in Franklin, United States, in the North America region.
How does Customer Stream make money?
One revenue line is on record: saaS Platform Licensing.
Who are Customer Stream's main competitors?
Direct peers on record are Friendbuy, Extole, Mention Me, Annex Cloud, Amplifinity and Tango Card. Yiftee is listed as an emerging player. Broad incumbents are Fiserv, CrowdTwist (Oracle) and Blackhawk Network.
Does Customer Stream have an API?
No public API is recorded for Customer Stream.
What industry is Customer Stream in?
Customer Stream's product category is Banking Marketing SaaS. Its primary akta.pro industry code is FSAEAMAL, Affinity, Membership & Association Referral Programs, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 513210 and its SIC code is 7372.