Do you remember those good old times when loyalty programs used to be the stamping of cards or collection of points to receive some freebies? Those days are already long gone as we move forward to 2025. There has been a shift today that loyalty is no longer an element of marketing but an element…

Have you ever gotten mail that seemed to be addressed to you directly? Or click on an app that has a perfect suggestion to wait? That is not luck; it is the power of loyalty data for personalization. Now it is not enough to reward the consumers; it is necessary to make them relevant. They…

The loyalty programs have evolved very well since the time that people had punch cards and generic discount schemes. Customers these days do not necessarily want points; they seek exclusivity, which includes VIP treatment and personalized experiences that they feel are their own. This shift has given rise to subscription loyalty programs, where members pay…

Lending is no longer about the numbers game; it is now more a game of relationship that outlives the loan cycle. The Non-Banking Financial Companies are growing at a very fast rate, and the customers are no longer in default; rather, they seek an indication of importance, customization, and a need to come back to…

Imagine that you enter a shop, and you may not get generic hellos or unrelated propositions as usual, but this experience may seem to be created especially for you. The shelves show that you are liked; the shop assistants recommend the ideal program on top of your previous purchase, and the check-out counter presents a…

Loyalty programs are no longer that way, and it is a good sign. We are way past paper punch cards and the cumbersome points system. Nowadays the clientele anticipates a smooth, personalized reward system that operates in real-time. But here comes the question: what next? The answer comes from blockchain loyalty automation and smart contract…

What would happen in your loyalty program if you were able to think, learn, and evolve in the same way your customers do? Consider a system not only rewarding behavior but predicting it, with offers so timely, so personal that you can even say it feels like sixth sense. This is the potential of generative…

Consider going to your favorite coffee shop, and before you use a word, your barista greets you by name together with your favorite drink and requests about how you would like it. It is very touching, and you always come back.  This is what a modern customer wants to see in the brands: to be…

Getting a customer to borrow once is easy. Getting them to come back again? That is the real challenge.   In the era of fast-moving lending space, where one app offers instant credit and another promises zero paperwork, Indian NBFCs (Non-Banking Financial Companies) are realizing that winning trust is more valuable than winning transactions. With customer…

Each time you launch an application, it will learn something new about you, what interests you, what time you interact, and what you disregard. Neither is it magic. It is intelligence. And it is fast transforming the way smart applications are developed.  It is time to welcome the era of AI-first app development, as mobile…