Recash is an AI-based marketing tool that targets customers of a business's competitors by upgrading bank cards to cashback cards through access to banking data under PSD2 regulations. It analyzes spending patterns to identify purchases at competitors and reminds cardholders to choose the business for their next purchase in exchange for cashback rewards. This allows businesses to increase market share by bringing over competitors' customers in a discreet and low-effort way for both businesses and customers. Recash's business model takes a small commission from the total cashback amount.