Integrating Real-Time Loyalty into the Banking Experience
A global bank wanted to run a proof of concept to integrate API-driven loyalty capabilities directly into its mobile app, enabling real-time, personalised rewards for every customer action.
Outcomes
30%
Engagement Uplift
<5 min
Reduced Reward Issuance Time
30%
Partner Onboarding Speed
0%
Live Data Exposure
Technology Vendors Suited to Evaluation
Business Problem
The bank faced declining customer engagement due to a lack of differentiation in its loyalty offerings. Rewards were generic and disconnected from individual behaviour, leading to low repeat participation.
Manual processes for issuing and managing rewards added operational friction, slowing fulfilment and reducing customer satisfaction. To remain competitive, the bank needed a scalable, API-driven approach to deliver personalised, real-time loyalty experiences.
Challenges
- Low Customer Loyalty: Limited reward differentiation and relevance reduced repeat engagement.
- Manual Reward Fulfilment: Operational overhead caused delays in issuing and managing customer rewards.
- Lack of Personalisation: Rewards were often generic, not tailored to customer behavior or preferences.
From Idea to Evidence with NayaOne
The bank used NayaOne’s platform to run a controlled proof of concept focused on integrating and validating multiple loyalty vendors.
- API-Driven Loyalty Integration: Connected vendors providing rewards, digital gifting, and cashback services into the bank’s app through secure APIs.
- Real-Time Reward Fulfilment: Measured performance and reliability of event-driven reward triggers, ensuring accurate and timely redemption.
- Dynamic Segmentation Testing: Leveraged test datasets to personalise offers based on customer behaviour and profile attributes.
- Virtual Environment: Operated within a secure, isolated sandbox to test integrations safely, without disrupting production systems.
- Collaborative Platform: Enabled cross-functional teams to work independently, share findings, and accelerate iteration cycles.
Impact Metrics
PoC Timeline Reduction
8 weeks with NayaOne vs 12 – 18 months traditionally
Time Saved in Vendor Evaluation
1+ year
Decision Quality
The PoC provided evidence-based insight into which loyalty APIs performed best across latency, fulfilment accuracy, and personalisation effectiveness. By comparing vendors side by side in a controlled environment, the bank gained clear visibility into technical performance, scalability, and integration effort.
KPIs
- Reward Fulfilment Time (seconds): Average time from customer action to reward delivery, validating real-time performance.
- API Response Latency (ms): Measured end-to-end responsiveness of integrated loyalty APIs.
- Automation Coverage (%): Share of rewards processed automatically without manual intervention.
- Segmentation Accuracy (%): Accuracy of customer targeting and personalisation logic using test data
Validate Loyalty Integrations Faster
Test and compare multiple loyalty and rewards APIs in a secure sandbox before committing to production.
