BUSINESS_UNIT

Joko

Joko is a cashback app and performance marketing platform using transaction data.

Analyst Perspective

Joko is a French cashback and purchase intelligence company operating a free consumer rewards app alongside a B2B performance marketing and market research offering. For consumers, it provides automatic cashback on purchases made with partner merchants through its mobile app and browser extension. For brands and retailers, it offers customer acquisition, drive-to-store and conversion campaigns using aggregated banking transaction data, plus market studies based on consumer purchase behaviour. The company makes money primarily through commissions from merchant transactions and performance-based fees from brand campaigns. Its business model is effectively two-sided: consumer engagement and purchase tracking create data and attribution capabilities, which in turn support advertiser campaigns and insight products. Customers therefore span both end-consumers seeking savings and business buyers such as brand marketers, retail teams, and strategy or insights functions.

Analyst Signal Briefing

No strategic news signals detected in the last 90 days.

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Category Differentiation

Joko is not a bank, card issuer, or general-purpose payment processor. It is a cashback, performance marketing, and consumer insights platform built around merchant partnerships and transaction-based attribution.

Joko: About

Joko operates a two-sided platform. On one side, it acquires consumers with a free cashback product that tracks purchases and rewards shopping activity across partner merchants. On the other, it monetises merchant and brand demand through affiliate-style commissions, performance marketing campaigns, and transaction-data-led market studies. The consumer layer drives purchase data, attribution and merchant reach; the B2B layer converts that capability into campaign spend and insight revenue.

How Joko Works & Monetises

Business model analysis and core revenue streams

Joko uses a mixed monetisation model. The consumer app is free and monetised through affiliate or merchant commissions when users complete purchases with partner retailers. Joko Business appears to use a performance-based commercial model in which brands pay based on revenue or conversions generated, resembling CPA or revenue-share pricing with managed campaign execution. The market studies product likely adds project-based research or data insight revenue derived from aggregated transaction and panel data.

Revenue Channels

Merchant affiliate commissions from consumer cashback transactionsPercentage Take-Rate (Media/FinTech/Marketplace)
Performance-based brand campaign feesPercentage Take-Rate (Media/FinTech/Marketplace)
Managed campaign execution and reportingService Fee / Retainer
Market studies and consumer insight engagementsService Fee / Retainer

Recent Signals (Joko)

OnlineMarketing.deDec 4, 2020

YouTube Trends 2020 in Germany: Top Videos & Creators

A German OnlineMarketing.de piece summarizes YouTube's year-end trend data for Germany, detailing four published lists: Top Trending Videos, Top Music Videos, Top Creator, and Breakout Creator. Local content dominates, with all Top Trending Videos produced in Germany and COVID-19-related topics prominent, from science explanations to mask tutorials and home workouts. The #1 Top Trending Video is Corona geht gerade erst los by maiLab (Dr. Mai Thi Nguyen-Kim). The #2 entry, Männerwelten – Belästigung von Frauen | Joko & Klaas 15 Minuten live, tackles sexual harassment. Varion is named Top Creator as a newcomer; Gewitter im Kopf – Leben mit Tourette places second, and Leeroy will’s wissen! (Leeroy Matata) takes bronze. In Breakout Creators, Kai Pflaume’s Ehrenpflaume leads ahead of Pamela Reif. The Top Music Videos list features LOREDANA X JUJU – KEIN WORT among others. The article underscores the value of local German channels and highlights a mix of science, entertainment, and socially relevant content shaping viewer interest in 2020.

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OMROct 28, 2019

Young Winemaker Partners with Joko and Schweighöfer

Juliane Eller, who took over her parents' winery at age 23, builds the Juwel-Weine brand and co-founded a celebrity-backed label, Drei‑Freunde‑Weine, with actor Matthias Schweighöfer and TV host Joko Winterscheidt. Eller produces roughly 120,000 bottles annually (excluding the Drei‑Freunde range), with the winery generating about €500,000–€600,000 in yearly revenue. Her wines retail mainly through specialist trade, priced €10–€20, and she promotes the business via Instagram (≈16,000 followers). The Drei‑Freunde rosé sold out; Eller emphasizes hand-harvested, traditional production, a small core team, and a strategy of increasing quality and price rather than scaling volume. The story is reported in an OMR Podcast interview.

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OMRFeb 22, 2019

Joko & Paul Launch Weekly AWFNR Season

Hosts Joko Winterscheidt and Paul Ripke are launching the third season of their podcast "Alle Wege führen nach Ruhm" (AWFNR) on April 5, 2019, moving to a weekly release schedule. The article notes previous season sponsors included Commerzbank, L’Oréal, Asphaltgold, Horizn Studios and About You, illustrating podcast advertising appeal to both large brands and small advertisers. OMR will host a live recording of AWFNR at the OMR Festival 2019 on May 7 on the Expo Stage in front of roughly 3,000 attendees. The publisher indicates remaining sponsorship slots for the new season are still available and invites interested advertisers to contact OMR’s podcast team.

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Joko: Frequently Asked Questions

What is Joko?

Joko is a French platform that offers automatic cashback to consumers and performance marketing plus market insight products to brands and retailers.

Who uses Joko?

Consumers use Joko to earn cashback, while brand marketers, retail teams, and research or strategy teams use its campaign and insight products.

How does Joko make money?

Joko earns merchant commissions on tracked purchases, performance-based fees from brand campaigns, and likely fees for bespoke market studies and insights.

Company Facts

Founded
2018
Headquarters
France
Core Segment
B2C Consumer App / Platform
Company Size
50–200
Official Link
home.joko.com