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      Consumer engagement and digital payments enablement for the Financial Services industry

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Smart Shopping
Cloud native framework empowering a wide range of solutions for consumer engagement and digital commerce.
  • Rewards Programs
  • Engage & Promote
  • Gift Card Programs
  • Assisted Shopping
  • Connected Payments and Services
  • BI & Dashboards
eVoucher Distribution
End to end management of digital products distribution at physical stores & digital channels.
  • Retailer Edition
  • Distributor Edition
  • Provider Edition
  • Marketplace
Financial Services
Consumer engagement and digital payments enablement for the Financial Services industry.
  • Rewards Programs
  • EMI – Connected Payments
  • Card Payments – merchant Integration
Retailer Payments & Tax Compliance
Card and modern payments integration with point-of-sale systems and eInvoice reporting.
  • POS – EFT integration
  • ZATCA compliance (Saudi Arabia)
Consulting Practice
WiseDart: Our Consulting & Advisory practice.
  • Program Consulting & Advisory
  • In Store solutions managed services
  • Data Transformation / Analysis
  • Bespoke Apps
  • Apps & Services for Education
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Rewards Programs

Rewards and Loyalty programs have become a strategic necessity across many industries, evolving beyond simple rewards into powerful tools for engagement and retention. In commerce, they primarily focus on identifying consumers and understanding their shopping behaviors. In financial services, however, the customer is already known as KYC processes are necessary, making loyalty programs less about data collection and more about deepening engagement, increasing usage, and strengthening long-term relationships.  

The challenge for consumer-centric financial service providers—such as retail banks, card payment providers, and FinTech or digital wallets (EMI-powered apps)—is to offer added value, especially for services with low margins where revenue primarily comes from volume (such as payments). 

Therefore, implementing a loyalty or rewards program aims to: 

✔ Boost customer retention 

✔ Cross-sell financial products 

✔ Drive increased usage of a service 

✔ Differentiate from direct competitors or alternative channels 

✔ Convert nutral feeling to positive and turn users to advocates 

Whether the program offers cashback, points, experiences or a gamified rewards scheme, the principles remain the same. Onboarding must be seamless, the perceived value must be compelling, and the user experience should be exciting. 

The SMASH framework, along with SMASH Rewards and SMASH Promote/Engage, tailored for the financial services indutry, delivers custom rewards and loyalty programs that capture consumer attention and align with your business model, objectives, and technology landscape. From strategy to execution, we help you create simple, exciting, and impactful programs. 

Financial Services

  • Financial Services & EMI’s
  • Rewards Programs
  • EMI – Connected Payments
  • Card Payments – merchant Integration
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