Transforming Loyalty Strategies Through Start-Ups and Fintech Innovation

Delivery

This report comes in PPT.

Key Findings

Finance and foodservice drive growth with embedded loyalty solutions

Embedded reward solutions are now critical for finance incumbents to accelerate market entry, while digital payment challengers face challenges with cross-border rewards and reactivating dormant accounts through loyalty efforts and rewards. At the same time, fintech players are reshaping foodservice loyalty by integrating instant, personalised rewards into ordering, payment and delivery – turning transactions into meaningful customer engagement opportunities.

AI and fintech are redrawing retail loyalty engagement

New tools are enabling retailers to turn loyalty from a marketing cost into a revenue-generating engine – especially as loyalty must become algorithmically relevant in an age of agentic commerce. With flexible payments, tokens these solutions deepen engagement and increase value added for consumers. By unifying fragmented data across channels, they unlock smarter personalisation and precision targeting at scale. As a result, retailers can move beyond blanket discounts and build loyalty models that are predictive and profitable.

Travel’s loyalty tech surge: driving higher spending

Set to lead value growth in the services sector between 2024 and 2029, the travel industry faces mounting pressure to adopt innovative loyalty technologies that meet rising traveller expectations and leverage the surge in global digital payments. Airlines, hotels, car rental firms and OTAs are rethinking loyalty strategies to drive deeper engagement across the entire travel journey. As payments are a central touchpoint, travel companies are increasingly turning to start-ups and fintech players to deliver measurable ROI – boosting conversion, retention and revenue per traveller by embedding dynamic rewards and loyalty tiers directly into the AI-powered trip consisting of discovery, planning and booking stages.