INDUSTRY

Banking & NBFCs

Turn every interaction across banking into action. Launch rewards, commissions, and recognition programs for customers, sales teams, partners, and employees. Drive higher acquisition, frequent transactions, timely repayments, and repeat use.

Trusted by 100s of leading Banks and NBFCs

Tailored loyalty programs for every line of business in banking

Modern finance is complex, encompassing various types of loans, including housing loans, education loans, and those from NBFCs, among others. Rewards help each layer strengthen trust and consistency.

Banks

NBFCs

Housing Finance

Small Finance Banks

Commercial Banks

Micro Finance

Educational Loan Providers

Bank customer loyalty solution

Boost customer loyalty and lifetime value with Xoxoday’s AI-powered customer loyalty solution for banks and NBFCs. Reward every milestone with personalized incentives that strengthen engagement, trust, and retention through automated workflows and real-time analytics.

01

Welcome Bonus

Get $10 gift card or 1,000 points for first account activation

02

First Transaction

Get a movie voucher or 150 points

03

Complete 5 transactions

Get a food voucher or 200 points

04

Spend $5000

Get a $50 travel voucher or 500 points

05

Buy products from another category

Get a $50 voucher or 500 points

06

Complete a quiz or fill a survey

Get $10 coffee voucher or 250 points

07

Opt for paperless invoice / statement

Get $20 donation voucher or 1000 points

08

Get a renewal

Get 5000 points for membership renewal

09

Opt for premium product

Get free golf session or 2500 points

10

First purchase started

Get $10 gift card or 100 points

Stories of what actually works

Customer Engagement

Largest bank in Qatar elevates customer engagement by 146%

Customer Retention

Commercial Bank of Ceylon PLC drives higher retention, efficiency, and revenue

In-App Engagement

Leading Middle Eastern bank increases in-app engagement by 37%

CREDIT Card LOYALTY & Spend

Mutual Trust Bank enables credit card loyalty and boosts customer spends

Customer Acquisition

Leading Southeast Asian bank increases customer acquisition by 28% through referral-driven loyalty

Program Performance

Eastern Bank PLC modernizes loyalty management and boosts operational efficiency

Connector loyalty programs

Engage chartered accountants, agents, and consultants with automated rewards boost high-intent referrals and grow your pipeline.

01

Onboarding Bonus

500 points for certification completion

02

Complete WhatsApp onboarding + KYC

₹500 digital wallet + 200 points

03

First lead converts into disbursal

₹1,000 payout + welcome bonus

04

Achieve 3 disbursals from early leads

₹2,000 gift card

05

Refer 20 leads in a month

₹3,000 bonus + referral badge

06

Conversion Bonus

₹1,500 payout + top connector badge

07

Regional Sprint

2,000 points for area win

08

Host community info session

₹1,000 event credit

09

Milestone Achiever

5,000 points for yearly performance + elite badge

10

Stay active for 2 years

Gold tier access + ₹2,500

Stories of what actually works

How a bank improved lead conversions by 3x by shifting from volume to value-based incentives

REWARD AUTOMATION

A bank reduced reward delays by 90% by replacing manual payouts with real-time triggers

CONNECTOR ACTIVATION

A large bank brought 300 dormant connectors back into action with tier-based engagement nudges

REWARD REPEAT RATE

40% of rewarded connectors referred again within 30 days of first incentive

INCENTIVE ALIGNMENT

Shifting to milestone-based rewards improved high-value deal referrals by 2.3x

REWARD PROCESS SPEED

Manual rewards were replaced with a system that cut processing time by 90%

Agent commission programs

Empower your loan brokers (direct sales agents), dealers, and registered resellers
with performance-based incentives, and actionable data to maximize their earnings.

01

Complete onboarding in 5 days

1000 starter bonus + welcome badge

02

Finish agent training & pass quiz

500 recharge + KYC badge

03

Convert 3 leads in first 10 days

₹1,500 bonus +

04

Achieve ₹10L disbursal from early leads

₹2,000 + leaderboard entry

05

Submit 20 error-free applications this month

₹2,000 bonus + fast-track badge

06

Achieve 90% same-day approval rate

₹1,500 payout + early closer bonus

07

Complete compliance refresher

₹750 bonus + recognition badge

08

No process flags in 6 months

₹1,000 payout + compliance certificate

09

Complete 1 year as an active agent

₹2,500 loyalty bonus

10

No process flags in 6 months

₹1,000 payout + compliance certificate

Stories of what actually works

Sales Conversions

Targeted commissions boosts agent sales conversions by 23% for a leading Southeast Asian Bank

Cross-sell Growth

Leading retail bank improves cross-sell rates by 27%

Agent Retention

Leading Pan-American bank reduced agent attrition by 34%

Revenue per Agent

A top bank reduces agent drop-Off by 34% using timely bonuses

Sales Cycle Acceleration

Leading bank cut sales cycles by 18% with time-sensitive bonus campaigns

Revenue per Agent

Bank unlocks 31% higher revenue per agent using tiered payouts

Sales commission management and gamification

Supercharge your sales teams by enabling on-time and error-free incentives, real-time performance tracking, simulations, earning calculator and more.

01

$2M disbursal goal by branch

Quarterly team bonus or 2000

02

Achieve monthly targets across 10 zones

Sales manager spotlight or 1000 points

03

Log 25 follow-ups this week

1000 fuel card or 250 points

04

Submit 10 approved files in 5 days

Branded swag kit or 300 points

05

Rank in top 5 for home loan disbursals

Leaderboard badge + 2000

06

Win zonal sales sprint for credit cards

Weekend stay + team recognition

07

Achieve 100% commission eligibility

Instant payout or 800 points

08

Reach monthly incentive threshold

1000 kicker bonus

09

Complete 100 closures in 12 months

Custom trophy + 5000 milestone

10

3x top performer in a year

Travel voucher + elite recognition plaque

Stories of what actually works

RE-CALCULATION & exception handling

Top bank reduced  re-calculation and exception handling efforts by 90%

CALCULATION ACCURACY

Mahindra Finance achieved a 98% reduction in calculation errors

DATA TRANSFORMATION

Unified data helped a bank cut manual operations by 80% across channels

Incentive qualifiers

A large NBFC in India saw an increase in incentive qualifiers by 28%

ANALYTICS & INSIGHTS

How a top bank achieved 85% faster time-to-decision with real-time analytics

AUTOMATE SALES PLANS

How a leading bank in APAC reduced manual intervention in commission operations by 85%

Employee rewards and recognition

Build programs that boost morale, reinforce values, and drive performance. From day-to-day appreciation to milestone celebrations, recognize and reward behaviors that align with your bank’s culture and goals.

01

Complete onboarding within 7 days

Welcome kit + 200 points

02

Score 90%+ in compliance quiz

1,000 voucher + badge

03

Complete 3 internal trainings in a quarter

1,500 bonus

04

Certification completion

300 points

05

Complete 5 years at bank

Milestone plaque + 800 points

06

Close 50+ audits or reviews

2000 bonus + digital certificate

07

Join monthly step challenge

Fitness band or 500 points

08

Complete mental health workshop

Wellness kit or 250 points

09

Receive 'Service Star' shoutout

Trophy + 400 points

10

Get 5 peer appreciations in a month

Branded hoodie + 300 points

Stories of what actually works

Manager-led recognition drives 2.5x increase in appreciation at a leading bank

LONG SERVICE AWARDS

Automating long-service swag helped a top bank delight employees at scale

UNIFIED PLATFORM

Centralized rewards and communication led to a  62% increase in team connectedness

EXTERNAL RECOGNITION

Customer-led recognition sparks 98% increase culture of appreciation

One of the leading banks in Qatar cuts HR hours by 55% by automating recognition programs

EMPLOYEE SURVEYS

A top bank enhanced listening and improved eNPS by 67%

Merchant offers

Drive customer engagement and card usage by managing merchant-funded offers at scale with seamless onboarding, real-time tracking, and a mobile-first experience.

01

Complete onboarding in 3 days

$1,000 wallet credit + badge

02

Upload required docs without reminders

INR 500 recharge + 200 points

03

Participate in festive co-promotion

Featured listing + INR 2,000 bonus

04

Run upsell offer for loan + insurance combo

Recognition + 400 points

05

First 10 transactions within 7 days

Branded merchandise + 300 points

06

Activate loan disbursal for 5 customers

$2,000 payout

07

Achieve 5L billing in a month

Tier bonus + cashback voucher

08

Cross 50 customers in 30 days

Store credit + 500 points

09

Refer 5 new merchants in a quarter

INR 3,000 incentive + badge

10

Featured in success story post

Elite tier + 1,000 points

Stories of what actually works

ONBOARDING EFFICIENCY

A regional bank onboarded 120 merchants monthly without adding to its operations team

OFFER MANAGEMENT SPEED

Manual offer creation dropped by 80% after merchants got access to self-service tools

REDEMPTION GROWTH

3x increase in offer redemptions after improving mobile discovery and in-store validation

CAMPAIGN PERFORMANCE

A mid-sized bank tracked  95% of merchant offer redemptions in real time for the first time

MERCHANT SATISFACTION

Automated reporting and visibility improved merchant retention across all active campaigns

OFFER LIFECYCLE CONTROL

A bank reduced expired offers by 90% using automated scheduling and expiry tools

Seamless deployment & training

Xoxoday provides end-to-end support, from scoping and KPI definition to seamless deployment, launch, and ongoing monitoring with training.

WEEK 1

Program Scoping

Streamlines program setup by defining objectives and KPIs, configuring accrual rules, and designing scheme mechanics with powerful rule engines

WEEK 2

Integration &  Data Management

Integrates data into a single source and is capable of handling large volumes. Ensures smooth data flow, automates workflows, and delivers real-time synchronization.

WEEK 3-5

Program Setup

Supports scheme management by enabling clear understanding of objectives, accurate mapping to workflows, and thorough validation for error-free execution and compliance.

Launch & Go-Live

Ensures a smooth launch with full support for seamless deployment, monitoring, and immediate adoption.

WEEK 6 ONWARDS

Training & Support

Provides continuous training on campaigns, marketing collateral for adoption, and tailored sessions for users and admins.

PROGRAM CONSULTANTS

IMPLEMENTATION ENGINEERS

IMPLEMENTATION ENGINEERS

4-6 weeks

average go live time

6 - 8

average training sessions for admins  and users

38

average programs  per customer

12+

processes improved

200 GB

average data  processed per customer

REWARD MARKETPLACE

10M+ reward options from 175+ countries across 30+ categories

Security, privacy, and compliance at the forefront

Data protection is of utmost importance at Xoxoday, and we are committed to providing a safe, secure, and compliant ecosystem for enterprises with the highest standards of data security and privacy across storage, exchange, collection, and processing.