Why 62% of GCC loyalty points go unredeemed — and what it costs your bank
Unredeemed points are more than a missed engagement opportunity — they are a growing balance-sheet liability.…
Trusted Banking Technology Partner · Doha, Qatar
Technology that moves banking forward.
FinNovaTech helps banks launch loyalty, digital banking, cashback and gifting programmes — on secure, scalable, white-label platforms your customers will love.
100% white-label & API-first
Go-live in 6–10 weeks
MENA regional coverage
Burn rate
3–5× uplift
3–5× uplift
Loyalty Command Centre
Points redeemed todayQR 1.2M
Active members5.2M
Flight redeemed · 300+ airlines −9,000
Cashback earned · merchant +QR 42
Gift card issued Sent
True Cashback
2,500+ merchants
2,500+ merchants
Serving financial institutions and enterprises across the MENA region
Retail Banks
Financial Institutions
Islamic Banks
Card Issuers
Merchant Networks
Telecom
Insurance
Government
Retail Banks
Financial Institutions
Islamic Banks
Card Issuers
Merchant Networks
Telecom
Insurance
Government
One platform. A global reward network.
300+
Airline partners
300,000
Hotel partners
2,500+
Global merchants
1,500+
Brands in the marketplace
Why FinNovaTech
Built for banks. Trusted by the enterprise.
We combine deep banking-operations understanding with modern, integration-friendly product architecture — a partner, not a vendor.
Banking-grade by design
Settlement windows, ledgers, controls and audit trails are in our DNA.
Open & tailor-fit
Open-architecture, API-first platforms configured to your programmes.
Secure & compliant
PCI-DSS, security engineering and compliance built into every layer.
Outcome-driven delivery
We measure success in your ROI — not just software shipped.
Our products
One partner for loyalty, banking, cashback and gifting.
Loyalty Management ★
An open-architecture, tailor-fit loyalty platform — a built-in accrual engine, flexible multi-currency management, omnichannel redemption and campaign tools, delivered on a white-label experience.
Digital Banking
A full digital bank on an agile, open-architecture, cloud & API-based platform — digital onboarding, eKYC and mobile account opening, paperless from day one.
E-Commerce & Cashback
A rewards e-commerce platform with 1,500+ brands and merchant-funded True Cashback across 2,500+ global merchants — real financial benefit, not generic discounts.
Virtual Gift Card
A quick, easy and secure virtual gift card — linked to the phone for contactless payments at POS and e-commerce worldwide, via Samsung Pay and Google Pay.
Our expertise
One partner across your technology agenda.
Digital Banking
Modern retail and corporate channels that raise digital adoption and lower cost-to-serve — without disturbing your core.
Payments & Reconciliation
Match, clear and settle across every rail, with audit-ready evidence and controlled day-end.
Cards & Merchant
Card programme operations, merchant acquiring and dispute management — plus the loyalty that drives spend.
Customer Loyalty & Rewards ★
Turn everyday banking into everyday rewards — and turn a rewards cost-centre into a profit centre.
Fraud, Risk & Compliance
ML-driven fraud detection, eKYC onboarding and regulatory-grade reporting — built into every layer.
AI & Analytics
Conversational AI, RAG assistants, document intelligence and predictive analytics that turn data into decisions.
Cloud, Security & Modernisation
Cloud migration, security engineering and legacy modernisation — for regulated environments.
Customer Engagement
Omnichannel contact centre and cloud communications, powered by conversational AI and campaigns.
★ Flagship Platform
Turn everyday banking into everyday rewards.
The FinNovaTech Loyalty Management Platform gives banks a complete rewards engine — multi-currency points, cashback, tiers, campaigns and a global reward marketplace — on a white-label, omnichannel experience your customers will love.
Multi-currency accrual
Pay with Points anywhere
Tier & segmentation
Campaign engine
Reward marketplace
AI personalisation
My RewardsPLATINUM
12,480
points available · QR 1,248 value
Flight to London−9,000
Amazon gift card−1,500
Hotel night · Doha−4,200
Industries
Technology for the industries we serve.
A delivery approach banks can trust.
Discover
Goals, current state, requirements and success metrics.
Design
Solution architecture, integration, UX, security & compliance.
Build & Integrate
Agile build, API integration with core/switch/channels, QA.
Deploy
Migration, configuration, UAT and controlled go-live.
Optimise
SLA support, monitoring and continuous improvement.
Insights
All insights
Ideas shaping banking technology.
Loyalty
Strategy
From cost centre to profit centre: rethinking bank rewards
A rewards programme does not have to be a line of expense. With merchant-funded cashback and commission share…
Payments
The remittance opportunity hiding inside your retail book
Qatar’s payments market is projected to nearly double by 2030, with cross-border flows the fastest-growing st…
Let's modernise your bank's technology — together.
Book a working session with our banking-technology specialists. Typical go-live in 6–10 weeks.
