The challenge
Scaling a customer benefits program without the infrastructure to run it
The bank is committed to delivering value beyond banking - rewarding customers with meaningful benefits that enhance their everyday lifestyle. But building and sustaining that kind of program in-house came with real operational challenges.
- Limited offers infrastructure - the bank wanted to switch to a ready, scalable platform to source, manage, and deliver offers to its customer base, making it difficult to launch and sustain a compelling benefits program
- Complex merchant and partner management - coordinating with multiple merchants and offer partners was time-consuming, operationally heavy, and difficult to scale without a dedicated fulfillment infrastructure
- Low customer awareness and engagement - without a centralized, branded destination for offers, customers had limited visibility into available benefits - resulting in poor uptake and unrealized program value
The solution
A branded, curated offers marketplace - powered by Xoxoday
To deliver a compelling, scalable offers experience, the bank partnered with Xoxoday, leveraging Xoxoday's curated offers marketplace and distribution infrastructure to power a branded benefits program integrated into the bank's customer touchpoints.
- Merchant and Fulfillment Management - Xoxoday handled end-to-end merchant sourcing, onboarding, and offer fulfillment across both markets - removing operational burden from the bank
- Branded Customer Destination - the offers experience was delivered under the bank's brand, giving customers a consistent, trusted destination to discover and access their benefits without leaving the bank's ecosystem
- Curated Dining & Lifestyle Offers - Xoxoday provided access to a continuously updated catalog of dining and lifestyle offers across the UAE and Qatar
- Travel & Hotel Deals - Xoxoday's travel offer catalog extended the program into aspirational redemption territory - giving customers access to hotel deals and travel benefits that deepened the perceived value of their banking relationship
The results
Broader benefits, less operational overhead
Xoxoday's end-to-end merchant and fulfillment management removed the operational complexity of running an offers program - reducing internal administrative effort by 40% and freeing internal teams to focus on strategy.
A broad catalog of offers gives customers aspirational benefits, with 1,000+ curated offers across dining, lifestyle, and travel.
A centralized, branded offers destination significantly improved customer awareness and participation.
Pre-built offers infrastructure and a ready merchant catalog enabled the bank to launch and expand the program significantly faster than an in-house build would allow.
1000+
Offers enabled
10+
Categories
30
Days refresh frequency
40%
Reduction in operational effort