How Grocers Can Unlock More Value From Every Shopper Relationship
$60B+
Retail media spend is moving toward retailer-owned data.
$7B+
Potential national savings opportunity when switching from credit to debit.
About
Grocery retailers sit at the center of one of the most valuable customer relationships in the market. Shoppers visit frequently, spend consistently, use debit and credit cards, engage with loyalty programs, respond to offers, and generate purchase data that brands increasingly want to reach. But much of the value created around that relationship is captured outside the grocer’s ecosystem. Card networks capture payment fees. Large retail media platforms capture advertiser budgets. Banks capture the financial relationship. Loyalty, POS, media, rewards, and attribution systems often operate separately. Cashberry helps grocery partners connect those disconnected systems into one value network — turning everyday banking, funded rewards, purchase data, and verified attribution into measurable shopper and partner value.
The Opportunity
A High-Frequency Relationship With Untapped Potential
Grocery is one of the largest and most frequent consumer-spend categories in the country. Shoppers depend on grocery every week, which makes the grocer one of the most trusted and repeated consumer touchpoints in the market.
That frequency creates value across multiple systems: payments, rewards, loyalty, retail media, offers, banking, and attribution.
But those systems are rarely connected.
A grocer may have a loyalty program, a POS system, an ecommerce experience, a payment processor, a retail media partner, supplier funding, brand relationships, and marketing channels — but the value usually sits across separate platforms.
That fragmentation creates waste.
Payment costs are treated as fixed. Retail media dollars flow to the largest platforms. Rewards are often funded from grocer margin. Attribution is incomplete. Shoppers still feel grocery prices rising, even while value is being created around their behavior.
Cashberry helps grocers organize that value differently.
The Challenge
Owning the Relationship, Missing the Value
This challenge shows up across the organization.
From a growth perspective, grocery should not simply be the place where shoppers spend money. It should be the relationship that anchors everyday financial value and creates new opportunities for engagement.
From a financial perspective, payment costs, rewards funding, and disconnected partner value all create pressure on an already low-margin business.
From a customer perspective, shoppers need stronger reasons to choose the grocer more often, beyond points, weekly flyers, and price promotions.
From an operational perspective, any new program must work through existing grocery systems and customer touchpoints without creating additional complexity for stores, teams, or technology partners.
“Grocers already have the weekly customer relationship. The opportunity now is to connect the financial, loyalty, media, and attribution systems around that relationship so more value flows back to shoppers and partners.”
Sarah Donovan
VP of Finance
What Changes
From Fragmented Systems to a Connected Network
Before Cashberry, grocery value is fragmented across separate systems.
Payments are handled in one place. Loyalty lives somewhere else. Retail media operates through another platform. Rewards require separate funding. Attribution is often incomplete. The shopper experience feels disconnected.
With Cashberry, those value streams become connected.
A shopper can use Cashberry for everyday spending and saving. Grocery partners can benefit from shopper activation, funded rewards, and lower-cost debit behavior. Merchants and brands can fund value through verified offers. Purchases become the source of truth for attribution.
The result is a more connected grocery value network.
The Outcome
More Value Returned to Grocers and Shoppers
Cashberry helps grocers unlock more value from the customer relationship they already own.
Grocers can give shoppers more reasons to choose their stores, participate in the shift toward purchase-based media value, reduce payment-cost exposure over time, and create measurable partner outcomes without building the full infrastructure themselves.
For shoppers, the outcome is simple: more value back from everyday spending.
For grocers, the outcome is more strategic: a path to connect payments, loyalty, rewards, media, and attribution around the weekly grocery relationship.
The grocery winners will not only sell food.
They will own more of the financial value created around the shopper relationship.
