Creating A Mobile Money-Enabled Loyalty App For A Top Financial Provider




Redeeming Rewards


Internet Marketplace Platforms



In a Nutshell.

  • Our client required a solution that would enable them to offer personalized rewards and incentives to their users, taking into consideration their shopping behavior and preferences.
  • We developed a holistic solution that integrates gamification elements such as badges, levels, and leaderboards into the loyalty program, enhancing user engagement.
  • Provided advanced user behavior analytics to help the client understand shopping patterns and preferences.

To Know More About Us

Client Overview

Our Client is a leading Financial service provider in Japan. They have expanded their national footprint to over 500 cities with over 1000+ dedicated branch networks having a strong presence even in non-metro cities. They follow a customer need-centric fulfilment model. The product portfolio includes Personal Loan, Business Loan, Loan Against Property, Enterprise Business Loan, Gold Loan, Car Loans, Loan against Shares, etc.

Problem Statement

When it comes to loyalty programs, experts in behavioural economics tell us that consumers respond well to temporal discounting, or immediate validation over higher-value delayed rewards. Client’s loyalty research shows time to earn an award is the most prominent loyalty pain point, with 53% of consumers saying it takes too long to earn. As such, brands should demonstrate value within 30 days to 90 days.

Our Solution

Innovature proposed an Ecommerce based customer loyalty reward platform to improve customer engagement by creating a completely immersive, user-centric, fully personalized reward shopping experience. The system also gives the chance to create an engaging customer experience on their loyalty program.

The platform supported customers to purchase items using mobile money. The solution was one of the first application which was using mobile money when the concept was introduced in Japan. The mobile money payment is enabled with providers like AU and Softbank.

Client Benefits

The client experienced a wide range of benefits from our services, as showcased in the case study. They achieved a significant 52% increase in the number of loyal customers, resulting in strengthened customer retention and heightened brand loyalty. With the integration of Mobile money, customers were able to effortlessly redeem their rewards, enhancing their overall satisfaction and engagement.

The introduction of a mobile money-enabled ecommerce platform facilitated frictionless transactions, ensuring seamless and convenient purchasing experiences. Furthermore, the implementation of location-based notifications enabled customers to stay informed about upcoming events and other enticing loyalty programs, driving participation and fostering a deeper connection with the brand. In summary, our services helped the client achieve enhanced customer loyalty, streamlined transactions, and improved engagement.


Jesper Bågeman

Partner, Technology

Jesper Bågeman is an IT enthusiast committed to driving positive change through technology. He leads with three core principles: fostering genuine partnerships with clients, integrating sustainability into operations, and prioritizing the empowerment and well-being of team members. Jesper’s dedication to these values ensures that he delivers impactful results.


Tiby Kuruvila

Cheif Advisor

Tiby is a respected technology expert recognized for his contributions in project management and technology development. His dedication to technological advancement and client relationship management has established him as a valuable asset in driving business growth and maintaining customer satisfaction across various sectors.


Meghna George

HR Manager

Meghna is dedicated to shaping HR practices and fostering a culture of growth and empowerment, steering Innovature toward a brighter future. With an impressive background in Human Resources, Meghna has successfully led HR shared services and managed the HRBP portfolio for large delivery units. Her expertise encompasses strategic planning, change management, and employee development, making her a pivotal force in driving organizational excellence.


Unnikrishnan S

Vice President

Unnikrishnan brings a wealth of experience in delivering impactful software projects and implementing strategic technological initiatives. His comprehensive knowledge in project management, operations, and client engagement consistently yields significant results, making him a trusted leader in the field of IT.


Gijo M S

CEO, Global

Gijo is based in Japan and possesses two decades of experience in modern web technology, big data analysis, cloud computing, and data mining. He plays a pivotal role in shaping the company’s global reputation, particularly within the Japanese IT industry, and brings extensive experience in sales, delivery management, partner management, operations, and technology consulting.


Ravindranath A V

CEO, India & Americas

Ravindranath is a seasoned executive renowned for his global proficiency in IT strategy, infrastructure, and software services delivery. With a focus on innovation, he translates clients’ business concepts into actionable solutions across diverse industries such as banking, retail, education, and telecommunications.