AppCard is a New York-based loyalty marketing and shopper analytics platform built for independent grocers and multi-location retailers. It captures SKU-level purchase data at the point of sale, then uses machine learning to deliver personalized offers, digital coupons and automated campaigns that help brick-and-mortar stores retain customers and grow sales. Founded in 2011 by ICQ co-founder Yair Goldfinger, the company serves thousands of independent grocers reaching tens of millions of shoppers, and has expanded into co-branded payment cards.

Yair Goldfinger is an Israeli engineer and serial entrepreneur who, at 26, co-founded ICQ, the first Internet-wide instant messaging service, sold to AOL in 1998. He went on to co-found the online advertising company Dotomi (acquired by ValueClick) and is now Co-Founder and CEO of AppCard, a New York based loyalty and personalization platform that gives independent grocers the marketing firepower once reserved for national chains. A World Economic Forum Young Global Leader and a notoriously press-shy angel investor, he builds companies around a single idea: relevance beats noise.