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. Here is h…
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Insights
Ideas shaping banking technology.
Analysis on loyalty, payments, reconciliation, AI and digital banking from the FinNovaTech team.
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, loyalty…
Read morePayments
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 stream.
Read moreOperations
Ending spreadsheet reconciliation: what audit-ready really means
As payment volumes grow, spreadsheet reconciliation breaks down. Audit-ready matching means every break has an owner an…
Read moreAI
Grounded, not guessing: RAG assistants for banking
Generic chatbots hallucinate. Retrieval-augmented assistants answer from your own documents with citations.
Read moreCards
Designing a lifestyle card for the segment you actually serve
Affluent, youth, expat or SME — each segment rewards a different life stage.
Read moreLet's modernise your bank's technology — together.
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