Banking & NBFCs

Turn every interaction in 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.

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Trusted by 100s of leading Banks and NBFCs

Tailored programs for every  bank sector

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.

Educational Loan Providers

Small Finance Banks

Playbook for Various Use Cases in the Banking Industry

Execute end-to-end rewards, incentives, and loyalty programs with Xoxoday’s scalable tech stack for multiple stakeholders and use cases.

Customer

Turn key banking milestones into loyalty and engagement through meaningful rewards.

Agents

Boost relationship manager productivity with automated commissions and recognition.

Connectors

Strengthen partner activation with transparent payouts, growth incentives, and tiered bonuses.

Sales Teams

Boost sales momentum with real-time incentives and transparent performance visibility.

Employees

Recognize accuracy, compliance, and service excellence with instant rewards and visibility.

Merchants

Drive merchant activation and transaction growth through targeted rewards and campaign incentives.

Stories that made a difference

For Customers

Rewards programs that boost digital adoption, transactions, and loyalty.

Digital Transaction Rewards

Increase digital banking adoption rates

Reward customers for using mobile and online channels. Boost digital engagement to reduce branch dependency and lower operational costs.

Referral Programs

Incentivize brand advocacy

Launch referral rewards for customers who bring new account holders or borrowers. Automate tracking and deliver instant rewards on successful referrals.

Loan Cycle Retention

Improve repeat borrower rates

Recognize customers for timely EMIs, renewals, and upgrades through tiered rewards. Encourage disciplined repayment and repeat borrowing.

Behavioral Nudges

Promote positive financial habits

Reward customers for maintaining balances, setting recurring deposits, making timely payments, and achieving financial wellness goals—strengthening long-term engagement.

Multi-Product Adoption

Increase revenue per customer

Use personalized reward campaigns to encourage customers to adopt multiple banking products. Leverage data to recommend the right product at the right time.

Customer Engagement

Elevate customer engagement by 146% with automated rewards

Deploy transaction-based loyalty programs to drive continuous activity—mirroring results achieved by Qatar’s largest bank.

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For Agents

Incentives and commissions that improve RM productivity and conversions.

For Connectors

Structured payouts that drive activation and quality referrals.

For Sales Teams

Real-time incentives that lift conversions and performance.

For Employees

Recognition programs that strengthen accuracy, compliance, and service.

For Merchants

Activation rewards and campaign incentives that increase transactions.

Modular architecture to accommodate  simple and complex problems

End-to-end rewards, incentives and loyalty programs with Xoxoday’s scalable tech-stack.

Integrations

Seamlessly connect with core banking systems, LOS/LMS platforms, CRM tools, payment gateways, and merchant acquiring systems to unify data and automate workflows across retail, commercial, and digital banking.

Data & User Management

Centrally manage customer profiles, branch hierarchies, merchant networks, RM teams, and contact centre users with secure, role-based access and full compliance with banking security standards.

Rule & Logic Engine

Configure reward structures for deposit growth, loan disbursement milestones, merchant activation, digital adoption, collections performance, and compliance achievements — all aligned with banking regulations.

Gamification

Drive excitement through leaderboards, milestone badges, contests, and challenges that motivate RMs, branch staff, merchants, and sales teams to exceed targets and sustain momentum.

Reports & Dashboards

Gain real-time visibility into program performance, merchant activity, branch productivity, digital adoption, incentive payouts, and customer engagement with customizable dashboards and AI-powered insights.

Rewards & Redemption Catalog

Offer instant access to digital gift cards, experiences, merchandise, and lifestyle benefits through a global catalog. Deliver rewards seamlessly across customer journeys, merchant campaigns, RM achievements, and frontline service excellence moments.

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 Loyalife, and we are committed to providing a safe, secure, and compliant loyalty ecosystem for enterprises with the highest standards of data security and privacy across storage, exchange, collection, and processing.

Power your banking ecosystem with rewards that influence behavior and outcomes

Motivate teams, delight merchants, and deepen customer loyalty using seamless banking-aligned incentive automation.

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