Design a customised loyalty programme with Rewa that rewards customers with usage-based points credited to a dedicated rewards account. Customers view their reward point statements in your app: your own Standalone App, or the app you already run with the UNIFOS Super SDK.
Unified Financial Operating System for Banks
Loyalty Management
Provide your customers with usage-based reward points that can be redeemed through a customised loyalty programme. Your team sets every rule on the Partner portal.
Tailored loyalty programme for services offered through UNIFOS
Reward Point Account for customers to access their reward point statement
Redemption Account for customers to access their redemption statement
Redeemed points spent from the redemption account on airtime, data and bills, or moved to the customer’s account
Rewa helps banks and fintechs boost usage and revenue with a customised loyalty programme on services offered through UNIFOS
Earn Today, Redeem Tomorrow
Every time customers open the app, they see their points, what they are worth and how to earn more.
Earn
Points appear as soon as a payment settles.
Redeem
Points become cash in a redemption account, for airtime, data, bills or the customer’s own account.
Offers
Double points on fuel, grocery and dining, plus merchant-funded offers your team switches on.
Tiers
Bronze, Silver, Gold and Platinum. Platinum earns 1.5 times as fast as Bronze.
Statements
Reward point and redemption statements, line by line, in the app.
A Programme Tailor-Made for Your Bank
Every rule is configurable on the Partner portal, under maker-checker and signed with the UNIFOS portal PIN. The values below only illustrate one programme you could set up: you decide what earns, how much, the caps and the tiers.
ActivityExample settingWhat you can configure
Card purchases1 point per ₦100 settled0.5 to 2 points per ₦100
Fuel, grocery and diningDouble points, up to 5,000 a month×1 to ×3; cap 1,000 to 20,000
QR and POS payments1 point per ₦100, up to 5,000 a month0.5 to 2 points per ₦100; merchant-funded offers
Bill payments5 points each, up to 200 a month0 to 50 points
Airtime and dataCashback instead: airtime 2%, data 1%0 to 3% cashback
MilestonesAccount opened, first payment, KYC upgrade, card activatedEach on or off
Loans and salaryOn-time instalment, loan cleared, salary credit×0 to ×2
TiersBronze, Silver, Gold, Platinum: earn ×1.0 to ×1.5Thresholds and multipliers
Typically excluded
- Transfers between people, or to yourself
- Cash advance, quasi-cash and gambling
- Fees and interest
- Points and cashback on the same bill
- Draws or prizes, in line with regulatory rules
Redeem and protect
- Example rates: 1,000 points = ₦500; 5,000 = ₦2,600; 20,000 = ₦11,000
- Points expire after the period you set, for example 12 months
- Clawed back if a payment is reversed
- A liability cap on points outstanding
Exclusions, redemption rates, point life and the liability cap shown here are examples too: your team sets each of them on the Partner portal, under maker-checker.
Your Rules, Your Liability Cap
Your product team runs the programme from the Partner portal. Points outstanding and their value stay on screen, so the liability is always visible against its cap.
Earn rules
Per amount, per event or as a multiplier, with exclusions and caps.
Who funds it
Each rule names its funder: your bank or a merchant offer.
Programme limits
Conversion rate, point life, minimum redemption and a liability cap.
Redemption catalogue
Airtime, data, bills and cash, with the cost of each item.
Members
Each customer’s balance and history. Manual awards and redemptions are signed with a PIN.
Maker-checker and portal PIN
Every rule change needs a second approval, signed with the UNIFOS portal PIN, before it goes live.
Reward Spends, and the Behaviour You Want
Most points are earned on spends, from the account or the card. You can also reward the behaviour that grows your bank: onboarding, referrals and the take-up of more of your products.
Spends
Account spends
ScanPay, QR and bill payments, airtime and data paid from the customer’s account.
Spends
Card spends
Purchases on Instacard debit, credit and prepaid cards, online and in store.
Behaviour
Onboarding
Account opened, KYC upgraded, first payment made and card activated.
Behaviour
Referrals
The customer earns when a friend they invite makes a first payment.
Behaviour
Product adoption
A first loan, a credit card or another of your products taken up: cross-sell with a reward.
Behaviour
Good habits
Salary credits and on-time repayments, so balances and good behaviour stay with you.
Redemption
Redeemed on your rules, spent on your platform
Points are redeemed on the rules your bank sets, for the categories you choose: airtime, data, bill payments and more. Every redemption is a customer using a service in your app, which builds stickiness and can earn your bank revenue of its own.
Lasting Value for Banks Across Africa
BALANCE supports your rewards strategy through Reward Points and Redemption Accounts. Customers track statements for the points they earn and redeem, and spend redeemed points on selected services in your app. Super SDK banks keep their own core, connected through IMS, our Institution Management System on their premises.
Boost digital adoption with Rewa, a tailored loyalty programme that credits usage-based points to a dedicated rewards account. Customers track and redeem their points directly in your app. Your team sets the rules on the Partner portal.
A rewards strategy is a powerful way to boost the use of digital banking services
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Frequently Asked Questions
Rewa helps banks and fintechs design a customised loyalty programme that rewards customers with usage-based points, credited to a dedicated rewards account. Points are redeemed as cash into a redemption account, then spent on airtime, data or bills or moved to the customer’s own account. Customers follow both on reward and redemption statements in your app.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.