Most bank loyalty programs today are really just credit card programs. Points accrue with every swipe, but the rest of the customer relationship remains invisible.
Without a unified view linking members to their accounts to their cards, banks can’t reward relationship depth. They optimize for swipes while their most valuable customers go unrecognized.
The GRAVTY® Difference: Unified Member-Account-Card Hierarchies
GRAVTY® redefines banking loyalty with a connected architecture that links Member → Account → Card in a scalable hierarchy:
- Rule-Based Targeting via Blockly
- Offer-Level Filters
- Card-Level Cashback
- Marketing Connect Integration
- Real-Time & Batch Syncs
- On-the-Fly Attribute Updates
Real-World Use Cases: From Complexity to Clarity
- Real-Time Member, Account & Card Creation
- Multi-Level Personalization (multipliers for high-balance savings, MasterCard vs VISA differentiation)
- Card-Level Cashback Management
- Visual Hierarchy & Analytics
- Attribute-Based Search
- Dynamic Attribute Updates
Case Study: One of India’s Largest Banks
One of India’s largest banks partnered with GRAVTY® to transform its loyalty ecosystem. GRAVTY® delivered a scalable solution capturing member data, mapping accounts, tracking card data, and managing lifecycle events with real-time and batch processes.
Impact:
- Migrated hundreds of thousands of profiles at scale.
- Delivered card-specific rewards, such as network-based cashback.
- Maintained strict compliance with proxy-only data.
The result: Achieved personalization at scale, operational efficiency, and future-ready loyalty.
