A 26-year-old fintech company in the US has built deep relationships with banks and merchants — but the rewards infrastructure connecting them is fragmented, rules-heavy, and opaque to the end customer. Cardholders miss rewards they have earned. Merchants cannot attribute conversions to the right campaign. Banks cannot see real-time redemption behaviour across their portfolio. The data exists. The connections exist. But the intelligence to turn rewards into retention is missing.
What Primesoft Delivers:
Unified rewards ledger: aggregates points, cashback, miles, and merchant-specific offers across all bank and merchant partners in real time
AI-powered personalisation engine: serves the right offer to the right customer at the right moment — based on spending patterns, location, and lifecycle stage
Merchant campaign management: self-serve portal for merchants to create, launch, and measure targeted offers across the network
Bank partner dashboard: real-time visibility into redemption rates, offer engagement, and cardholder reward balances
Fraud and abuse detection: flags anomalous redemption patterns and duplicate reward claims before they hit the ledger
Offer discovery for cardholders: AI curates a personalised rewards feed — pushing relevant offers proactively rather than requiring cardholders to search
API-first architecture: plug into any bank core, card processor, or merchant POS system without rip-and-replace
Compliance-ready for US financial regulations: PCI-DSS, BSA/AML, and CFPB disclosure requirements built in
Impact:
3× increase in reward redemption rates • 40% improvement in merchant campaign ROI • Real-time reward visibility for all stakeholders
