Loyalty for Fintech
Loyalty for Fintech Companies
Reward behaviors that matter: from first login to financial milestones.
Enable3 helps fintech platforms increase retention, boost engagement, and build customer habits with mission-based loyalty.
Loyalty for Fintech
Loyalty for Fintech Companies
Reward behaviors that matter: from first login to financial milestones.
Enable3 helps fintech platforms increase retention, boost engagement, and build customer habits with mission-based loyalty.
Why Enable3
Your Users Expect More Than Cashback
Your Users Expect More Than Cashback
To retain today’s digital-savvy customers, you need to deliver personalized, gamified experiences that create habit loops
Reduce Churn in the First 30 Days
Reduce early customer drop-off by engaging users with gamified activities.
Reduce Churn in the First 30 Days
Reduce early customer drop-off by engaging users with gamified activities.
Increase Activation and Usage
Motivate users with challenges and rewards to increase engagement.
Increase Activation and Usage
Motivate users with challenges and rewards to increase engagement.
Reduce Churn in the First 30 Days
Reduce early customer drop-off by engaging users with gamified activities.
Reduce Churn in the First 30 Days
Reduce early customer drop-off by engaging users with gamified activities.
Increase Activation and Usage
Motivate users with challenges and rewards to increase engagement.
Increase Activation and Usage
Motivate users with challenges and rewards to increase engagement.
Drive Deposits, Card Activations, Referrals, and Upgrades
Boost actions and account growth.
Drive Deposits, Card Activations, Referrals, and Upgrades
Boost actions and account growth.
Drive Deposits, Card Activations, Referrals, and Upgrades
Boost actions and account growth.
How it Works
How Enable3 Works
How Enable3 Works
How Enable3 Works
No-Code Setup
Launch pre-built loyalty missions in days. Customize rewards, visuals, and copy to match your brand. Use our widget or embed natively with SDK/API.
Built for Scale
Segment users by behavior or product usage. Run limited-time or seasonal campaigns. Track ROI from every mission, referral, and redemption.
Compliant & Secure
Data privacy compliant (GDPR-ready). Flexible logic to prevent fraud and abuse.
Missions & Quests
Drive repeat app usage with daily and milestone-based challenges.
Missions & Quests
Drive repeat app usage with daily and milestone-based challenges.
Missions & Quests
Drive repeat app usage with daily and milestone-based challenges.
Loyalty Points System
Let users earn points and unlock benefits based on in-app behavior.
Loyalty Points System
Let users earn points and unlock benefits based on in-app behavior.
Loyalty Points System
Let users earn points and unlock benefits based on in-app behavior.
Referral Program
Encourage user growth with built-in referral tracking and bonuses.
Referral Program
Encourage user growth with built-in referral tracking and bonuses.
Referral Program
Encourage user growth with built-in referral tracking and bonuses.
No-Code & SDK Options
Start fast with no-code, scale deeper with SDK/API integration.
No-Code & SDK Options
Start fast with no-code, scale deeper with SDK/API integration.
No-Code & SDK Options
Start fast with no-code, scale deeper with SDK/API integration.
Hold To Earn
Reward players for holding tokens or points longer.
Hold To Earn
Reward players for holding tokens or points longer.
Hold To Earn
Reward players for holding tokens or points longer.
Tap to Earn
Let users earn points to redeem for discounts and in-app rewards, boosting engagement and loyalty.
Tap to Earn
Let users earn points to redeem for discounts and in-app rewards, boosting engagement and loyalty.
Tap to Earn
Let users earn points to redeem for discounts and in-app rewards, boosting engagement and loyalty.
Digital Wallets
Reward top-ups, linkages, daily app opens → Reduce silent churn and drive daily use.
Neobanks & Challenger Banks
Create gamified onboarding and missions for usage → Increase retention and feature adoption.
Payment & Investment Apps
Incentivize repeat purchases, course completions, or long-term deposits → Strengthen user trust and LTV.
Use Cases
Real-World Scenarios
Real-World Scenarios
7 days left
+50 points
Complete your profile & link your bank account
Finish setting up your account…
7 days left
+100 points
Make your first transfer or card payment
Send your first transfer or make…
7 days left
+200 points
Refer a Friend
Invite a friend to join the plat…
7 days left
+400 points
Pay Bills for 3 Months
Keep your bills on track by maki…
7 days left
+100 points
Complete 3 learning modules on investing
30%
7 days left
+250 points
Leave a Review on
App StoreTell us what you think! Leave a…
7 days left
+50 points
Join Discord Community
Enter the realm! Join our Discor…
7 days left
+250 points
Refer 2 users who make a transaction
30%
7 days left
+400 points
Make your first transfer or card payment
Send your first transfer or make…
Ready to Build Loyalty That Sticks?
Ready to Build Loyalty That Sticks?
Let’s talk about how Enable3 can help your fintech platform grow through smarter loyalty.
Pricing
Start for Free, Scale with Us
Start for Free, Scale with Us
Basic Plan
$0 / mo
Get access to core loyalty features and start building engagement for free.
Unlimited loyalty missions and rewards
Free No-code loyalty widget
Custom branding
Translation into 15 languages
WebView, Mobile SDKs
Web3 loyalty programs
Basic technical integration support
Premium Plan
Request a Price
Designed for enterprises with custom needs, featuring expert support.
Everything in Basic Plan, plus:
White-label solution
Custom language translations
Advanced Web3 loyalty programs & features
Technical integration support with dedicated tech specialist
Extended customer support
Loyalty Strategy Expert
Missions pre-set
Fintech Loyalty Program Software
Enable3's Bank Loyalty Platform
Enable3's Bank Loyalty Platform
Launch a fintech loyalty program with Enable3. Our loyalty software helps neo banks and financial apps retain users and drive long-term engagement.
Fintech Loyalty Program Software
Fintech has changed how people move money, save, and invest — but not how easily they switch providers. For every new account opened, another one goes dormant. Paid campaigns drive sign-ups, but long-term usage is harder to earn. A discount on fees or a one-time bonus rarely builds the kind of relationship that lasts.
That’s where a bank loyalty program comes in. Instead of chasing users with the same short-lived incentives, fintech brands are beginning to build structured paths that reward meaningful engagement. Each step in the journey — deposits, bill pay, card usage, or referrals — becomes a chance to reinforce trust and encourage habits.
Enable3 brings that philosophy to life. Its software doesn’t just track points; it connects loyalty to real financial behaviors. The result is a system that blends into the daily banking experience and gives customers a reason to return.
Why Fintech Needs a Loyalty Program
Customer acquisition in financial services is expensive. CAC keeps rising, and switching costs for users are lower than ever. A shiny onboarding bonus may get attention, but it doesn’t keep balances active or cards top of wallet.
A financial services loyalty program fixes that gap. Instead of paying once for sign-ups, banks and fintech apps can create a rhythm of engagement. Deposit for the first time? Unlock a welcome boost. Pay bills on time for three months? Advance to the next tier. Keep a balance above a threshold? Access benefits that make staying worthwhile.
This approach works because it ties rewards to trust-building actions. In an industry where churn is measured in silent app deletions, giving users a visible ladder of acknowledgment changes behavior. Bronze doesn’t feel final when silver is in sight — and silver naturally nudges toward gold.
For fintechs and digital banks, this isn’t about gamification for its own sake. It’s about reducing drop-off, extending lifetime value, and making loyalty part of the core banking experience.
Bank Loyalty Program Software Built for Engagement
Traditional reward programs often sit on the sidelines. They send an occasional email, offer a coupon, or run a quarterly promotion. But in fintech, loyalty has to live inside the product. Users won’t jump between apps to check status; the program has to feel like a natural part of their banking flow.
Enable3’s loyalty program bank platform is designed for exactly that. Every tier, mission, and reward can be embedded into the app experience. Want to encourage deposits? Make them part of a mission. Need to improve card usage? Offer tiered loyalty program benefits tied to transaction milestones. Looking to reduce churn? Recognize streaks of logins or on-time bill payments.
The system runs on event-based triggers, which means loyalty doesn’t sit off to the side — it lives inside the banking experience. Each action a customer takes, from topping up an account to paying a bill, can spark recognition. Instead of generic points, the platform gives banks a way to highlight the exact habits they want to see more of.
For the customer, this feels seamless. They aren’t collecting abstract tokens. They’re moving through a clear journey where their everyday banking behaviors unlock real advantages. And for the bank, that journey translates directly into higher engagement and lower churn.
Every bank loyalty program has to reflect the way its customers actually use money. A digital-first bank may tie recognition to savings goals. A payments app might highlight frequent transfers. A lending service could reward borrowers for making repayments on time. Enable3 was built with that variety in mind — fintech brands define the markers, and the platform fits into the existing product without forcing a rebuild.
Benefits of a Financial Services Loyalty Program
The value of a financial services loyalty program isn’t just in one-off bonuses. It shows up across the entire customer journey:
Retention that lasts. When people see their progress recognized, they’re less likely to drift away. A loyalty program bank users trust becomes part of their daily routine.
Deeper engagement. Customers start with one product, but a well-structured program nudges them toward others — savings, payments, credit — because each step feels rewarded.
Lower acquisition pressure. Keeping an existing customer active costs far less than winning a new one. A strong loyalty loop reduces the need for constant ad spend and improves unit economics.
Trust you can measure. In finance, credibility is earned over time. A clear, consistent bank loyalty program reassures people that they’re valued long after onboarding.
Personalization that resonates. Some users care about reduced fees. Others prefer faster transfers or early access to features. A financial services loyalty program works best when it mirrors those differences.
The real tiered loyalty program benefits compound over time — turning simple transactions into an ongoing relationship.
How Enable3 Powers Loyalty for Fintech Brands
Most “off-the-shelf” reward tools weren’t built for banks. They rely on points, gift cards, or the occasional promotion. Enable3 was designed for finance from the ground up. It connects acknowledgment to the real actions that build long-term value.
Event-based missions. Deposits, repayments, or hitting a savings checkpoint— each of these can trigger visible progress. Banks decide which behaviors matter, and Enable3 reinforces them.
Tiered journeys. Customers can see exactly where they stand, moving from entry levels toward premium status with tangible differences at every stage.
Community integration. Referrals, social sharing, even content from users themselves can sit inside the program, turning loyal customers into advocates.
Full customization. From localized incentives to a wide range of reward types, the program adapts to different markets, user behaviors, and business goals.
The result is a loyalty program bank customers actually notice. It doesn’t feel tacked on. It feels like part of the app they already trust to save, spend, and borrow.
Launch a fintech loyalty program with Enable3. Our loyalty software helps neo banks and financial apps retain users and drive long-term engagement.
Fintech Loyalty Program Software
Fintech has changed how people move money, save, and invest — but not how easily they switch providers. For every new account opened, another one goes dormant. Paid campaigns drive sign-ups, but long-term usage is harder to earn. A discount on fees or a one-time bonus rarely builds the kind of relationship that lasts.
That’s where a bank loyalty program comes in. Instead of chasing users with the same short-lived incentives, fintech brands are beginning to build structured paths that reward meaningful engagement. Each step in the journey — deposits, bill pay, card usage, or referrals — becomes a chance to reinforce trust and encourage habits.
Enable3 brings that philosophy to life. Its software doesn’t just track points; it connects loyalty to real financial behaviors. The result is a system that blends into the daily banking experience and gives customers a reason to return.
Why Fintech Needs a Loyalty Program
Customer acquisition in financial services is expensive. CAC keeps rising, and switching costs for users are lower than ever. A shiny onboarding bonus may get attention, but it doesn’t keep balances active or cards top of wallet.
A financial services loyalty program fixes that gap. Instead of paying once for sign-ups, banks and fintech apps can create a rhythm of engagement. Deposit for the first time? Unlock a welcome boost. Pay bills on time for three months? Advance to the next tier. Keep a balance above a threshold? Access benefits that make staying worthwhile.
This approach works because it ties rewards to trust-building actions. In an industry where churn is measured in silent app deletions, giving users a visible ladder of acknowledgment changes behavior. Bronze doesn’t feel final when silver is in sight — and silver naturally nudges toward gold.
For fintechs and digital banks, this isn’t about gamification for its own sake. It’s about reducing drop-off, extending lifetime value, and making loyalty part of the core banking experience.
Bank Loyalty Program Software Built for Engagement
Traditional reward programs often sit on the sidelines. They send an occasional email, offer a coupon, or run a quarterly promotion. But in fintech, loyalty has to live inside the product. Users won’t jump between apps to check status; the program has to feel like a natural part of their banking flow.
Enable3’s loyalty program bank platform is designed for exactly that. Every tier, mission, and reward can be embedded into the app experience. Want to encourage deposits? Make them part of a mission. Need to improve card usage? Offer tiered loyalty program benefits tied to transaction milestones. Looking to reduce churn? Recognize streaks of logins or on-time bill payments.
The system runs on event-based triggers, which means loyalty doesn’t sit off to the side — it lives inside the banking experience. Each action a customer takes, from topping up an account to paying a bill, can spark recognition. Instead of generic points, the platform gives banks a way to highlight the exact habits they want to see more of.
For the customer, this feels seamless. They aren’t collecting abstract tokens. They’re moving through a clear journey where their everyday banking behaviors unlock real advantages. And for the bank, that journey translates directly into higher engagement and lower churn.
Every bank loyalty program has to reflect the way its customers actually use money. A digital-first bank may tie recognition to savings goals. A payments app might highlight frequent transfers. A lending service could reward borrowers for making repayments on time. Enable3 was built with that variety in mind — fintech brands define the markers, and the platform fits into the existing product without forcing a rebuild.
Benefits of a Financial Services Loyalty Program
The value of a financial services loyalty program isn’t just in one-off bonuses. It shows up across the entire customer journey:
Retention that lasts. When people see their progress recognized, they’re less likely to drift away. A loyalty program bank users trust becomes part of their daily routine.
Deeper engagement. Customers start with one product, but a well-structured program nudges them toward others — savings, payments, credit — because each step feels rewarded.
Lower acquisition pressure. Keeping an existing customer active costs far less than winning a new one. A strong loyalty loop reduces the need for constant ad spend and improves unit economics.
Trust you can measure. In finance, credibility is earned over time. A clear, consistent bank loyalty program reassures people that they’re valued long after onboarding.
Personalization that resonates. Some users care about reduced fees. Others prefer faster transfers or early access to features. A financial services loyalty program works best when it mirrors those differences.
The real tiered loyalty program benefits compound over time — turning simple transactions into an ongoing relationship.
How Enable3 Powers Loyalty for Fintech Brands
Most “off-the-shelf” reward tools weren’t built for banks. They rely on points, gift cards, or the occasional promotion. Enable3 was designed for finance from the ground up. It connects acknowledgment to the real actions that build long-term value.
Event-based missions. Deposits, repayments, or hitting a savings checkpoint— each of these can trigger visible progress. Banks decide which behaviors matter, and Enable3 reinforces them.
Tiered journeys. Customers can see exactly where they stand, moving from entry levels toward premium status with tangible differences at every stage.
Community integration. Referrals, social sharing, even content from users themselves can sit inside the program, turning loyal customers into advocates.
Full customization. From localized incentives to a wide range of reward types, the program adapts to different markets, user behaviors, and business goals.
The result is a loyalty program bank customers actually notice. It doesn’t feel tacked on. It feels like part of the app they already trust to save, spend, and borrow.
Launch a fintech loyalty program with Enable3. Our loyalty software helps neo banks and financial apps retain users and drive long-term engagement.
Fintech Loyalty Program Software
Fintech has changed how people move money, save, and invest — but not how easily they switch providers. For every new account opened, another one goes dormant. Paid campaigns drive sign-ups, but long-term usage is harder to earn. A discount on fees or a one-time bonus rarely builds the kind of relationship that lasts.
That’s where a bank loyalty program comes in. Instead of chasing users with the same short-lived incentives, fintech brands are beginning to build structured paths that reward meaningful engagement. Each step in the journey — deposits, bill pay, card usage, or referrals — becomes a chance to reinforce trust and encourage habits.
Enable3 brings that philosophy to life. Its software doesn’t just track points; it connects loyalty to real financial behaviors. The result is a system that blends into the daily banking experience and gives customers a reason to return.
Why Fintech Needs a Loyalty Program
Customer acquisition in financial services is expensive. CAC keeps rising, and switching costs for users are lower than ever. A shiny onboarding bonus may get attention, but it doesn’t keep balances active or cards top of wallet.
A financial services loyalty program fixes that gap. Instead of paying once for sign-ups, banks and fintech apps can create a rhythm of engagement. Deposit for the first time? Unlock a welcome boost. Pay bills on time for three months? Advance to the next tier. Keep a balance above a threshold? Access benefits that make staying worthwhile.
This approach works because it ties rewards to trust-building actions. In an industry where churn is measured in silent app deletions, giving users a visible ladder of acknowledgment changes behavior. Bronze doesn’t feel final when silver is in sight — and silver naturally nudges toward gold.
For fintechs and digital banks, this isn’t about gamification for its own sake. It’s about reducing drop-off, extending lifetime value, and making loyalty part of the core banking experience.
Bank Loyalty Program Software Built for Engagement
Traditional reward programs often sit on the sidelines. They send an occasional email, offer a coupon, or run a quarterly promotion. But in fintech, loyalty has to live inside the product. Users won’t jump between apps to check status; the program has to feel like a natural part of their banking flow.
Enable3’s loyalty program bank platform is designed for exactly that. Every tier, mission, and reward can be embedded into the app experience. Want to encourage deposits? Make them part of a mission. Need to improve card usage? Offer tiered loyalty program benefits tied to transaction milestones. Looking to reduce churn? Recognize streaks of logins or on-time bill payments.
The system runs on event-based triggers, which means loyalty doesn’t sit off to the side — it lives inside the banking experience. Each action a customer takes, from topping up an account to paying a bill, can spark recognition. Instead of generic points, the platform gives banks a way to highlight the exact habits they want to see more of.
For the customer, this feels seamless. They aren’t collecting abstract tokens. They’re moving through a clear journey where their everyday banking behaviors unlock real advantages. And for the bank, that journey translates directly into higher engagement and lower churn.
Every bank loyalty program has to reflect the way its customers actually use money. A digital-first bank may tie recognition to savings goals. A payments app might highlight frequent transfers. A lending service could reward borrowers for making repayments on time. Enable3 was built with that variety in mind — fintech brands define the markers, and the platform fits into the existing product without forcing a rebuild.
Benefits of a Financial Services Loyalty Program
The value of a financial services loyalty program isn’t just in one-off bonuses. It shows up across the entire customer journey:
Retention that lasts. When people see their progress recognized, they’re less likely to drift away. A loyalty program bank users trust becomes part of their daily routine.
Deeper engagement. Customers start with one product, but a well-structured program nudges them toward others — savings, payments, credit — because each step feels rewarded.
Lower acquisition pressure. Keeping an existing customer active costs far less than winning a new one. A strong loyalty loop reduces the need for constant ad spend and improves unit economics.
Trust you can measure. In finance, credibility is earned over time. A clear, consistent bank loyalty program reassures people that they’re valued long after onboarding.
Personalization that resonates. Some users care about reduced fees. Others prefer faster transfers or early access to features. A financial services loyalty program works best when it mirrors those differences.
The real tiered loyalty program benefits compound over time — turning simple transactions into an ongoing relationship.
How Enable3 Powers Loyalty for Fintech Brands
Most “off-the-shelf” reward tools weren’t built for banks. They rely on points, gift cards, or the occasional promotion. Enable3 was designed for finance from the ground up. It connects acknowledgment to the real actions that build long-term value.
Event-based missions. Deposits, repayments, or hitting a savings checkpoint— each of these can trigger visible progress. Banks decide which behaviors matter, and Enable3 reinforces them.
Tiered journeys. Customers can see exactly where they stand, moving from entry levels toward premium status with tangible differences at every stage.
Community integration. Referrals, social sharing, even content from users themselves can sit inside the program, turning loyal customers into advocates.
Full customization. From localized incentives to a wide range of reward types, the program adapts to different markets, user behaviors, and business goals.
The result is a loyalty program bank customers actually notice. It doesn’t feel tacked on. It feels like part of the app they already trust to save, spend, and borrow.
FAQ