Summary

Financial institutions and brands can modernize their loyalty systems by leveraging Pointsville’s comprehensive solutions. Our technology focuses on managing customer loyalty and converting real-world assets into tokenized alternative assets, offering brands, institutions and their clients a new layer of value creation. Pointsville’s unified loyalty and digital asset management software, empowers partners with the potential to enhance customer engagement, retention, and satisfaction while modernizing capabilities and streamlining operational efficiency.

The platform offers real-time data reporting, flexible customer tiering, and dynamic promotions within an integrated framework. Unifying access for administrators, customers, and provider networks reduces manual file management, streamlining operational efficiency. Through a partnership with Pointsville, institutions unlock access to unrealized value within their loyalty assets. By upgrading loyalty systems and boosting operational efficiency, Pointsville’s scalable platform can position brands and firms to lead in offering next- generation financial solutions.

Background

In recent years, the financial services industry has seen a significant shift toward alternative and digital assets, driven by growing investor interest, particularly among younger generations. As a result, financial institutions are coming to recognize the need to innovate their loyalty programs, responding with this trend by offering clients more value and enhancing their overall financial experience. Pointsville partners can launch this initiative to address industry-wide pressures to modernize asset management strategies and integrate digital solutions.

Pointsville’s scalable platform allows for seamless integration, offering clients the ability to manage loyalty points through multiple channels such as web, mobile apps, and dynamic tiers that evolve based on account balances. This enhanced platform strengthens institutions’ competitive edge by offering their clients a modern, flexible, and engaging loyalty experience, catering to a generation increasingly invested in digital assets.

Main Drivers for Change

As financial institutions evaluate industry shifts and internal goals, they are recognizing several key drivers that necessitate a modern, efficient, and engaging solution that Pointsville’s loyalty stack can provide. The main drivers include:

1. Consumer Demand Personalized Loyalty Experiences
Retaining high-value clients and attracting new ones is critical to the long-term strategies of financial institutions. Clients today expect personalized experiences that go beyond traditional rewards programs. Financial institutions need a flexible platform that can offer dynamic customer activity, including real-time updates on loyalty points, tailored customer tiers, and personalized promotions.

2. Increasing Demand for Alternative Assets
As more investors, particularly younger generations, seek exposure to alternative assets, Institutions see the need to integrate these options into their offerings. Historically, financial planners have allocated small portions of portfolios to alternatives, but with rising interest in digital and tokenized assets, a more modern approach to loyalty rewards became essential.

3. Need for Operational Scalability
Managing loyalty programs across diverse business units, from wealth management to insurance solutions, creates operational challenges. Financial institutions seek a solution that can scale efficiently while integrating seamlessly with existing systems.

4. Broadening Financial Access and Inclusion
In line with its mission to help people feel more confident about their financial future, financial institutions want to expand their loyalty offerings to cater to a younger demographic. By introducing alternative assets into its rewards ecosystem, companies can attract new customers and facilitate a more inclusive path to financial rewards and growth.

Implementing Loyalty Solutions

A Loyalty Platform for Financial Institutions

Financial institutions need a tailored loyalty platform that integrates seamlessly across multiple business units, scales to meet growing needs, and supports a wide variety of customer engagement methods. Pointsville’s loyalty solution was built to address these needs while incorporating digital asset capabilities.

Pointsville Loyalty Solution, Core Capabilities

• User-Friendly Customer Platform: Web and app-based interface with engage-to-earn activities and loyalty wallet, loyalty card, and loyalty store capabilities.
• Seamless Super Admin Interface: Manage customer engagement, activations & inventory, create custom marketing campaigns, and track point holders and transactions.
• Easy-to-Use Sponsorship Management Tools: Integrated sponsor loyalty tools to facilitate sponsored items experiences, activations, and commerce with numerous sponsors and merchants simultaneously.

For Financial institutions, the Super Admin Interface centralizes access to both credit card and non-credit card customers, streamlining operations across multiple customer groups. This interface allows administrators to efficiently manage customer information, activities, and general ledger postings within a single system.

At the core of our technology lies a decentralized ledger that supports efficient management of customer transactions and loyalty activities. By integrating a variety of service providers for both credit and non-credit customers, the system ensures smooth collaboration between financial services and rewards programs.

On the customer experience side, the Pointsville platform enhances user engagement through:

• Seamless login processes
• Custom promotions tailored to individual preferences
• Efficient point redemption mechanisms
• Real-time balance and transaction updates
• Access to both credit and non-credit rewards

White-Label Option

Pointsville’s loyalty platform is designed to offer financial institutions a flexible, branded experience. This platform enables companies to create and manage their loyalty programs across multiple business units, from wealth management to insurance services, within one easy-to-use, integrated solution. The platform’s scalability ensures that as the institution grows, the loyalty program can adapt and expand without adding operational complexity.

Pointsville provides a dual solution, enabling its clients to create and build loyalty programs and then unlock and access their value via tokenization.

We enable full-cycle security token creation and management with multiple flexible approaches to fit a wide range of needs and products.

Loyalty Customization

• Customer Engagement: Our platform offers several engagement options including check-in-to-earn, watch-to-earn, spend-to-earn, and augmented reality capabilities.
• Dynamic Loyalty Tiers: Create custom loyalty tiers based on dynamic requirements like account sizes or minimum spend that offer different rewards.
• Reward Optionality: The platform allows for a wide variety of rewards including but not limited to merchandise, experiences, services, discounts, and digital assets.

Digital Asset Integration Capabilities

As global adoption of tokenized assets continues to grow, institutions look to modernize both their rewards programs digital asset capabilities. Pointsville’s platform allows for the integration of tokenized digital assets into loyalty rewards programs and offers issuance and compliance technology bundled with loyalty.

• Tokenized Asset Issuance: Pointsville is packaging its asset tokenization technology with its loyalty rewards, allowing institutions to create their own tokenized assets.
• Tokenized Asset Rewards: Our loyalty platform allows for the integration of regualtory-approved tokenized assets as rewards for customers.
• Crypto Payment Integration: Pointsville can also integrate approved crypto and tokenized assets as payments within a loyalty store.
• Compliance Services: As regulators continue to lay out rules on tokenized assets, Pointsville works with clients to understand and work compliantly with regulations.

Promotions for Financial Institutions

The Pointsville platform provides a wide range of promotional opportunities. A few examples of how financial institutions can leverage this technology include:

• Loan Rate Discounts: Offering points for customers who use auto-pay.
• Balance Credits: Extra points are rewarded when customers increase their balance.
• Redemption Boost: Depending on their tier, customers can receive a value boost of 10- 75% when redeeming points.
• Educational Videos & Coupons: Customers can earn points by watching educational videos or receiving coupons through email campaigns.
• Digital Asset Giveaways: Spread awareness for your or your partners’ digital assets by rewarding customers with them.

Leveraging Loyalty as an Asset

Loyalty programs are now seen as strategic tools to nurture long-term customer relationships and build lifetime value. In 2020 the major U.S. airlines figured out how to make their intangible loyalty programs tangible assets:

• American Airlines raised $10 billion by borrowing against its AAdvantage frequent flyer program.
  • Source: American Airlines
• United Airlines mortgaged its MileagePlus loyalty program as primary collateral to borrow $6.8 billion (60% of market cap.)
  • Source: SEC
• Delta Airlines borrowed $6.5 billion (30% of their market cap) in a new debt deal backed by SkyMiles its frequent flyer program.
  • Source: CNBC, Link

About Pointsville

Pointsville is an end-to-end alternative asset factory

We are your one-stop shop for loyalty, stablecoins and alternative asset digitization & management. 

Our software platforms bridge the gap between emerging digital financial technologies and traditional asset classes. Our technology supports our partners with tools to:

• Convert real-world assets into tokenized alternative assets
• Utilize the leading capital markets, regulatory, loyalty and blockchain technologies
• Empower your network with programmable loyalty, ownership, issuance and asset management tools
• Enable regulatory compliance and reporting for loyalty and alternative assets
• To learn more about our partners, click here