Banking & Fintech

Rewards, incentives, and loyalty solution for the financial industry

Engage customers, motivate employees, reward partners, sales reps, and automate payouts with flexible programs designed for modern banks and fintech companies.

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The Problem

Growth challenges across the entire financial industry

Every stakeholder drives revenue. When one loses momentum, the whole engine slows.

Loyalty shifts too easily

Many customers open accounts, take loans, or activate cards, but never expand their relationship beyond the initial product.

Commission delays erode trust

Slow, opaque commission calculations push your best DSAs, CAs, and connectors to faster-paying lenders.

Frontline & ops teams burn out

Collections, tele-sales, processing, and KYC teams attrit fast. Unrecognised effort is the silent driver of early exits.

Merchant activity drops off

Getting merchants onboard is easy. Keeping them active across offers, campaigns, and promotions is the real challenge.

The playbook

Building stronger banking & fintech relationships at scale

Create stronger customer relationships, higher sales productivity, better partner performance, and more engaged employees from a single platform.

Turn every banking moment into lasting loyalty

Reward customers from onboarding to retention with programs that drive digital adoption, product depth, and long-term engagement.

Business outcomes

Higher acquisition ratesIncreased product adoptionGreater transaction frequencyImproved customer retention

Reward account opening, KYC completion, first deposits, and card activations.

Incentivize mobile banking, e-statements, and self-service channel usage.

Drive spend frequency with transaction-based rewards and usage milestones.

Encourage uptake of loans, deposits, investments, insurance, and bundles.

Reward customers for successful referrals, acquisitions, and activations.

Run tiered loyalty, personalized offers, and win-back campaigns.

Build a high-performing distribution network

DSAs, brokers, agents, and referral networks drive acquisition and portfolio growth. Keep them active with transparent incentives and timely payouts.

Business outcomes

Increased lead generationHigher conversion ratesImproved partner retentionGreater channel revenue

Reward lead generation, referrals, and successful conversions.

Automate payouts with complete real-time earnings visibility.

Reward certifications, product training, and compliance completions.

Recognize consistent performance and long-term contribution.

Run seasonal accelerators to promote priority products.

Celebrate top partners and agents with rankings and rewards.

Turn advocates into an acquisition channel

Creators, affiliates, and community influencers drive discovery and acquisition. Structured programs improve referral quality and campaign ROI.

Business outcomes

Lower acquisition costsIncreased referralsHigher campaign participationStronger influencer loyalty

Reward qualified referrals, account openings, and completed actions.

Automate validation, commission tracking, and payouts end to end.

Run incentives for product launches and strategic campaigns.

Keep influencers active with personalized and WhatsApp-based outreach.

Reward milestone achievements with tiers and exclusive benefits.

Recognize top performers with leaderboards and exclusive access.

Keep sales teams focused and motivated

Automate commissions and incentives so teams spend less time chasing payouts and more time selling.

Business outcomes

Faster sales cyclesHigher productivityImproved target attainmentIncreased revenue

Automate payouts across loans, cards, deposits, and insurance.

Reward account openings, product sales, and AUM growth.

Run SPIFFs for cross-sell opportunities and business priorities.

Drive healthy competition with rankings across branches and regions.

Give reps live visibility into targets, earnings, and performance.

Celebrate milestone achievers and consistent top performers.

Recognise the people behind every outcome

From relationship managers to operations teams — recognition drives performance, retention, and a culture people want to stay in.

Business outcomes

Higher engagementBetter retentionStronger cultureIncreased productivity

Recognise RMs and branch teams for acquisition and growth targets.

Celebrate collections, compliance, risk, and service teams.

Run leadership updates, announcements, and employee communities.

Listen continuously through surveys, polls, and pulse checks.

Support financial, physical, and mental wellbeing.

Mark onboarding, promotions, certifications, and anniversaries.

Keep merchants active and growing

Drive card usage and payment volume by helping merchants attract customers with targeted offers and performance-based rewards.

Business outcomes

Increased merchant participationHigher transaction volumeImproved offer redemptionStronger ecosystem growth

Launch offers and promotions to attract and convert customers.

Run challenges and contests to increase participation.

Reward transaction, revenue, and campaign milestones.

Expand reach through co-branded partner initiatives.

Optimise offers using real-time analytics.

Incentivise adoption of new payment methods and tools.

Capabilities

The full stack for rewards, payouts, and loyalty programs

Wire into your core systems. Run programs your finance, risk, and compliance teams will approve without escalation.

Integrations

Connect directly to Salesforce, Finacle, Temenos, SAP, FinnOne, and 50+ pre-built connectors. REST APIs and webhooks for custom core banking and LOS workflows.

Rule & logic engine

Set earn rules by card type, transaction MCC, account balance, or loan milestone. Configure burn caps, tier multipliers, expiry windows, and eligibility by product or segment.

Reports & dashboards

Track points issued, redeemed, and liability outstanding in real time. Monitor DSA payouts, campaign ROI, and branch-level performance from a single dashboard.

Data & user management

Onboard and manage cardholders, DSAs, agents, and branch employees in bulk. Segment by product holding, transaction behavior, geography, or tier for targeted programs.

Global rewards catalog

10M+ options including cashback, prepaid cards, airmiles, travel, and gift cards. Localized catalog by country with multi-currency support and card-linked redemption.

Omnichannel member engagement

Notify cardholders of points earned via SMS, WhatsApp, push, and email in real time. Run targeted re-engagement campaigns across app, web, and POS from a single platform.

Instant payouts & disbursements

Disburse DSA commissions, insurance claims, and referral payouts via UPI, IMPS, virtual card, ACH, or PayPal. Real-time, PCI-compliant, and fully auditable.

Compliance & audit controls

Maker-checker on every rule change and payout action. Full audit trail with user, timestamp, and IP attribution. SOC 2 Type II, ISO 27001, PCI-DSS, and RBI-aligned controls built in.

Fraud & abuse prevention

Velocity checks, device fingerprinting, and duplicate detection flag suspicious activity automatically. Immutable logs support internal audit and dispute resolution.

Customer stories

Trusted by banks & fintechs that move fast

Leading banks, NBFCs, and fintechs rely on Xoxoday to run scalable loyalty, incentive, and recognition programs with greater control and visibility.

Mahindra Finance

Leading NBFC, India

NBFC · Sales commission automation & incentive management

By automating the sales commission process with Xoxoday, Mahindra Finance significantly transformed its incentive management system — payments that took days now happen in hours.

Eastern Bank PLC

Our experience with Loyalife has been satisfactory overall, and we look forward to further enhancing the platform.

Manaf Hussain

Associate Manager, Eastern Bank PLC

Banking & Finance · Customer loyalty & rewards

Urgo

Urgo automated sales commission calculations with Xoxoday, improving accuracy and speed across the entire sales team.

Urgo

Fintech Platform, India

Fintech · Sales incentive automation & commission management

FAQ

Frequently asked questions

Yes. Xoxoday operates as a standalone rewards layer via REST API or SSO-based storefront. Your platform continues to own the earning logic, member data, and program rules. Xoxoday handles catalog access, reward fulfillment, delivery, and reconciliation on the other end. This is how several large banks and fintech platforms use us today. No rip and replace required.