Cardlytics, Inc (CDLX) Q2 2021 Earnings Call Transcript fool.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from fool.com Daily Mail and Mail on Sunday newspapers.
Operator
Ladies and gentlemen, thank you for standing by, and welcome to the Cardlytics fourth-quarter 2020 earnings conference call. [Operator instructions] I would now like to hand the conference over to Kirk Somers, chief legal and privacy officer. Please go ahead.
Kirk Somers
Chief Legal and Privacy Officer
Good morning, and welcome to Cardlytics fourth-quarter and full-year 2020 financial results call. Before we begin, let me remind everyone that today s discussion will contain forward-looking statements based on our current assumptions, expectations, and beliefs, including expectations about future financial performance or results; our financial guidance for the first quarter in the year 2021; our ability to achieve our key long-term priorities; the launch of U.S. Bank; growth in FI MAUs or monthly active users; the increase in our connectivity to our MAUs; the return to year-over-year growth; the launch of our new user experience; the increase in ARPU or average revenu