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Specialized AI Loyalty Programs to Empower Fintechs & NBFCs Retain, Reward, & Scale.

All-in-one Loyalty Platform for Fintech, NBFCs & Lender-built for today's digital-first Financial Services

  • Reduce Customer Churn
  • Improve Repayment Rates
  • Optimize Reward Strategies
  • Higher LTV & ROI

Contact Details

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Business Type

  • Startup
  • SMEs
  • Enterprise

Deliver personalized rewards that motivate repayments, referrals, and repeat borrowing—built for today's digital-first NBFCs.

  • Reduce Customer Churn
  • Improve Repayment Rates
  • Optimize Reward Strategies
  • 40 Million

    Satisfied
    Customer

  • 1 Million

    Earning
    Transaction

  • 100 Million

    Transaction
    per Month

  • 7 Billion

    Points earned
    per year

Boost Retention with Smarter Financial Loyalty Programs

Loyalty is not just a feature it is a feeling. In a world where borrowers have endless options, it is the small gestures that keep them coming back: a reward for paying on time, a thank you for staying loyal, or a surprise on a milestone.

For NBFCs & Fintechs, loyalty programs go beyond points; they become a way to nurture trust, spark connection, and grow relationships that outlast any loan cycle.

Trusted by Financial Leaders

Top NBFCs trust Novus to build loyalty, drive retention, and deliver customer experiences that truly stand out.

Proven Benefits of Smarter Loyalty

We make top financial services loyalty programs that easy to launch and scale that drive borrower trust, referrals, and results.

Four Core Pillars of Smarter NBFCs & Fintechs Loyalty Programs

We, Novus Loyalty, offer tailored loyalty solutions for B2B, B2C, and DSA partnerships.

Custom Loyalty
Strategy

Real-Time
Analytics

Scalable
Engagement Tools

Relevant
Reward

Novus Loyalty Components
That Help NBFCs Succeed Faster

  • Personalized Offers
  • Tiered Rewards
  • Instant Recognition
  • Growth Analytics

Personalized Offers

Individual Offers Drive Deeper Connections.

  • Fee Waivers for Loyal, High-Value Borrowers
  • Reduced Interest Rates for Disciplined Repayers
  • Personalized Vouchers Based on Spending Habits
  • Exclusive Loan Upgrade Offers for Eligible Customers
  • Contextual Campaigns Based on Borrower Behavior Trends
  • Hyper-Personalized Messaging Across Digital Touchpoints
Learn More

Tiered Rewards

Climb Tiers, Maximize Financial Benefits.

Customers advance by:
  • Consistently make on-time EMI Payments.
  • Successful Loan Application Completion.
  • Upgrading to Higher Loan Slabs or Additional Loans.
  • Active Digital Engagement (App Logins, Digital Payments).
As customers move through tiers (e.g., Bronze, Silver, Gold, Platinum), they gain access to:
  • Enhanced Fee Waivers (higher processing fee reductions).
  • Greater Interest Rate Reductions on Subsequent Loans.
  • Exclusive Access to Premium NBFC Services.
  • Superior Market Trend Reward Catalogue options.
Learn More

Instant Recognition

Real-Time Value, Lasting Engagement.

  • Reward On-Time EMIs with Points or Appreciation Message
  • Incentivize Loan Completion with Vouchers or Bonuses
  • Encourage App Logins with Wallet Credits or Offers
  • Reward Full KYC Completion with Personalized Thank You
Learn More

Growth Analytics

Tracking the Rapid Rise of Novus Loyalty.

  • Revenue Soared to $13M in 2024
  • Achieved 27.48% CAGR Annual Growth
  • 58% Revenue from Banking Sector
  • Banking Revenue Grew 30.5% YoY
  • Strong APAC Presence, NA Growing Fast
Learn More

Service-Specific Loyalty Programs

  • Personal Loans

    Rewards for on-time payments, digital activity, and successful referrals.

  • Business Loans

    Focus on relationship rewards, tiered benefits, and milestone achievements.

  • Loan Against Property/Secured Loans

    Long-term retention via digital engagement and consistent repayment.

  • Gold Loans

    Incentives for repeat transactions and quick repayments.

  • Vehicle Loans

    Reward timely EMIs and new client referrals.

  • Consumer Durable Loans

    Drive repeat purchases and digital repayments.

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