Reward the total value of your customer relationships with personalized loyalty incentives
Personalized | Engaging | Flexible
Identify and incentivize customers with a relationship-based loyalty solution
Most loyalty strategies measure only transactions, overlooking deeper customer loyalty. FIS® Relationship Rewards helps financial institutions reward customers for the full value of their relationship, not just individual transactions. Through integrated banking, processing and behavioral data, it delivers personalized incentives that drive engagement, product adoption and long-term loyalty.
How does Relationship Rewards work?
Relationship Rewards is a loyalty and incentives solution designed for banks and credit unions ready to move beyond traditional, transaction-only rewards. Instead of focusing solely on card spending, it evaluates the total relationship activity to deliver more relevant, meaningful incentives – enabling institutions to recognize and reward customers based on engagement across accounts, products, balances and digital channels.
How does relationship-based loyalty differ from traditional rewards programs?
Traditional rewards programs focus on single products or transaction types, such as credit or debit purchases, while relationship-based loyalty recognizes the broader customer relationship. With Relationship Rewards, institutions can reward customers for actions and behaviors, such as maintaining deposit or loan balances, using multiple products or services, enrolling in digital banking features and demonstrating positive financial behaviors. This approach aligns rewards with long-term customer value rather than isolated transactions.
What types of incentives can financial institutions offer?
Relationship Rewards supports flexible incentive structures that align with institutional goals and customer preferences. Incentives can be tiered, cumulative or time-based to encourage deeper engagement and long-term participation. And they can be applied across products and behaviors with configurable rules, such as points or bonus points, cash back, relationship-based bonuses, and variable rate or APR offers.
How does Relationship Rewards support multiproduct growth?
Relationship Rewards is designed to encourage customers to expand their relationship with the institution. Rewards can be earned across multiple products rather than being limited to a single account or card, enabling institutions to increase product adoption, encourage cross-selling and upselling strategies, and reward customers as they grow their relationship over time. By linking rewards to multiple products and behaviors, institutions can drive broader wallet share and retention.
Who is Relationship Rewards designed for?
Relationship Rewards is designed for community banks and credit unions seeking differentiated loyalty programs, regional and national banks focused on relationship growth, and digital banks and fintechs delivering personalized customer experiences. The solution can scale to support institutions of different sizes and business models.
How does Relationship Rewards encourage digital engagement?
- Behavior-based rewards: Incentivize meaningful digital actions by tying rewards to online and mobile logins, mobile deposits, bill pay or autopay enrollment.
- Lower servicing costs: Encourage customers to use self-service tools that drive engagement while reducing reliance on branch and call center support.
- Flexible reward strategies: Incorporate digital activity directly into reward programs to support evolving customer journeys and feature rollouts.
Why choose Relationship Rewards?
- Data-driven loyalty: Tap into our industry expertise and integrated data to power relationship-based loyalty strategies.
- Automated execution: Activate and manage rewards effectively with rules-driven automation that helps reduce operational lift.
- Flexible configuration: Adapt reward strategies quickly to support evolving customer behaviors, segments and priorities.
- Measurables outcomes: Track engagement and growth with clear performance insights tied to your customer strategies.
Loyalty built beyond card spending
FAQ
What is Relationship Rewards?
Relationship Rewards is a relationship-based loyalty solution for banks and credit unions. It uses banking, processing and behavior-based data insights to personalize incentives based on the total customer relationship, not just transactions.
How does relationship-based loyalty work beyond card spending?
Instead of rewarding only purchase activity, Relationship Rewards can assign rewards using triggers across products and behaviors, such as deposit and loan balances, cross-product activity, online banking logins, mobile deposit usage, autopay enrollment and positive financial behaviors like on-time payments or savings thresholds.
What kinds of incentives can banks offer with Relationship Rewards?
Institutions can configure incentives such as additional points, cash back, bonuses and variable APR offers, with tiered earning rules across “any product, any trigger,” allowing rewards to align with relationship depth and business goals.
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