Comarch Loyalty Management for Banking

A cutting-edge customer engagement
technology for banking

Identify patterns in customer behavior to
build and execute successful loyalty programs

What is Comarch Loyalty Management for Banking?

A technology that improves customer engagement significantly - and you can take that to the bank

Financial institutions are constantly looking for new ways of improving customer perception in order to become trusted partners and reliable sources of business advice. Fortunately, there are technologies designed specifically to help them raise brand awareness and build stronger relationships with clients

Comarch Loyalty Management (CLM) is a modern IT system that allows enterprises - including banks and insurance companies - to create and manage successful, user-oriented loyalty programs with ease. Supporting both B2C and B2B operators, CLM incorporates mechanisms of emerging technologies such as artificial intelligence & machine learning so you could identify patterns in customers' behavior and provide offers that meet their personal needs.

Thanks to its many practical and business-relevant functionalities, CLM makes building trust with customers easy - just see it for yourself. 

What are the benefits?

Higher level of customer loyalty

Attract and engage new & existing customers with personalized loyalty programs to achieve better business results in no time

Advanced customer behavior analytics

Put emerging technologies (artificial intelligence, machine learning) into practice and identify patterns within your client’s shopping carts to provide offers that are perfectly in line with their preferences

Compliance with privacy regulations

Stay complaint and play fair - Comarch Loyalty Management ensures smooth integration and sensitive data exchange, fully compliant with GDPR and other legal regulations.

Major functionalities of Comarch Loyalty Management

  1. 01 Full Customer Insight
  2. The system provides full customer data and analyzed sales statistics to make sure you are always up-to-date with the performance of your loyalty programs.

    Not only does it give you quick access to your history of transactions, but it also allows you to easily create, manage, or merge membership accounts.

    CLM supports multiple ID classes (plastic cards, virtual cards), plus, it enables you to organize your customer data efficiently using a simple & intuitive interface.
  3. 02 Omnichannel Customer Interaction
  4. CLM allows you to stay in contact with your customers at every level of their loyalty program participation. Use it to create mass or individual messages (E-mail/SMS/POS/mobile app/website) informing the members about your current product offers and services.

    Also, send surveys to collect feedback so you could constantly improve the quality of your loyalty programs. We offer enhanced smart message editors that will help you write engaging content and create many different versions in multiple languages.
  5. 03 Facilitated Loyalty Program Customization
  6. By using our CLM system, you will decide what the rules for marketing activities and loyalty programs are. Our product will help you set your business priorities and create personalized offers based on geolocation.

    You will also have access to the Promotions Calendar which provides a complete overview of all of your active programs and campaigns. You can use it to set automatic initiation of your programs if that’s what you need at the time. The system is flexible and fully adaptive to your requirements.

  7. 04 Personalized Offers
  8. CLM's Offer Personalization feature, based on advanced Artificial Intelligence and Machine Learning algorithms, allows users to identify their customers' shopping patterns so they could later prepare offers and product recommendations that meet their clients' personal needs. 

    It was designed to let you experiment with various product categories and marketing scenarios so that, in the end, you could provide offers that are most likely to hit the spot. Plus, it also enables you to calculate the Customer Lifetime Value as well as determine what's the best time for presenting clients with your products and services.
  9. 05 Flexible Currency Management
  10. Since many of the large enterprises run their business processes on a global scale, CLM was designed to allow for quick currency conversion.

    It enables you to create many different types of loyalty points, and then it facilitates the purchasing process on the user’s side. You can as easily use CLM to transfer points to another account or make a refund, if necessary.

  11. 06 Intuitive Rewards Management
  12. Comarch’s CLM system enables you to come up with various types of rewards that you can give to your most involved customers. Those include discounts, cash-backs, giveaways, vouchers.

    The system is a simple yet powerful platform that functions as an extensive reward catalog with many schemes and patterns to choose from. Create personalized reward offers that will encourage your audience to become even more involved.

  13. 07 Robust Multitenancy
  14. Comarch’s CLM solution allows you to run and host multiple B2B and B2C loyalty programs via a single platform. It enables you to give access to loyalty programs to any authorized parties in a split of a second.

    Using CLM, you can set various loyalty program proportions for different countries or regions. It is the most cost-effective solution in terms of hardware and 3rd party software that significantly lowers the cost of system maintenance.
  15. 08 Loyalty Fraud Detection
  16. The Loyalty Fraud Detection functionality utilizes the latest Artificial Intelligence & Machine Learning techniques so you could easily identify non-typical patterns in your loyalty program members’ behavior (accrual and redemption transactions, collecting points, account registrations, and more) in order to prevent any financial drawbacks from happening.

    By implementing this feature, you will be instantly reported about any out-of-the-ordinary incident and, as a result, you and your team will be able to react in no time to any potential loyalty fraud cases - before they will cause any damage

  17. 09 Complete Partner Data Oversight
  18. We know that large enterprises are always in contact with their loyalty program partners and that sometimes results in making necessary adjustments to meet their expectations. That is why CLM also serves as a dedicated module for providing your partners with relevant data and tools in no time.

    Using the CLM, you will have access to your partner’s billing configuration as well as the Data Hub - a tool responsible for streamlining the data file exchange processes. It allows users to quickly and easily integrate new partners - reducing the time and costs of new integrations.
  19. 10 Advanced Administration & Reporting
  20. If you’re looking for a solution that will guarantee real-time processing of all of your loyalty transactions, that solution is CLM. The system can definitely serve as an extensive database for your products and stores involved.

    Not only is CLM enabled with autonomous fraud detection & prevention mechanisms, but it is also designed to support black-lists administration. Plus, it ensures constant monitoring of loyalty program members’ activity. Any kind of anomalies will be instantly reported to you via alarms & notifications.

Full Customer Insight

The system provides full customer data and analyzed sales statistics to make sure you are always up-to-date with the performance of your loyalty programs.

Not only does it give you quick access to your history of transactions, but it also allows you to easily create, manage, or merge membership accounts.

CLM supports multiple ID classes (plastic cards, virtual cards), plus, it enables you to organize your customer data efficiently using a simple & intuitive interface.

Omnichannel Customer Interaction

CLM allows you to stay in contact with your customers at every level of their loyalty program participation. Use it to create mass or individual messages (E-mail/SMS/POS/mobile app/website) informing the members about your current product offers and services.

Also, send surveys to collect feedback so you could constantly improve the quality of your loyalty programs. We offer enhanced smart message editors that will help you write engaging content and create many different versions in multiple languages.

Facilitated Loyalty Program Customization

By using our CLM system, you will decide what the rules for marketing activities and loyalty programs are. Our product will help you set your business priorities and create personalized offers based on geolocation.

You will also have access to the Promotions Calendar which provides a complete overview of all of your active programs and campaigns. You can use it to set automatic initiation of your programs if that’s what you need at the time. The system is flexible and fully adaptive to your requirements.

Personalized Offers

CLM's Offer Personalization feature, based on advanced Artificial Intelligence and Machine Learning algorithms, allows users to identify their customers' shopping patterns so they could later prepare offers and product recommendations that meet their clients' personal needs. 

It was designed to let you experiment with various product categories and marketing scenarios so that, in the end, you could provide offers that are most likely to hit the spot. Plus, it also enables you to calculate the Customer Lifetime Value as well as determine what's the best time for presenting clients with your products and services.

Flexible Currency Management

Since many of the large enterprises run their business processes on a global scale, CLM was designed to allow for quick currency conversion.

It enables you to create many different types of loyalty points, and then it facilitates the purchasing process on the user’s side. You can as easily use CLM to transfer points to another account or make a refund, if necessary.

Intuitive Rewards Management

Comarch’s CLM system enables you to come up with various types of rewards that you can give to your most involved customers. Those include discounts, cash-backs, giveaways, vouchers.

The system is a simple yet powerful platform that functions as an extensive reward catalog with many schemes and patterns to choose from. Create personalized reward offers that will encourage your audience to become even more involved.

Robust Multitenancy

Comarch’s CLM solution allows you to run and host multiple B2B and B2C loyalty programs via a single platform. It enables you to give access to loyalty programs to any authorized parties in a split of a second.

Using CLM, you can set various loyalty program proportions for different countries or regions. It is the most cost-effective solution in terms of hardware and 3rd party software that significantly lowers the cost of system maintenance.

Loyalty Fraud Detection

The Loyalty Fraud Detection functionality utilizes the latest Artificial Intelligence & Machine Learning techniques so you could easily identify non-typical patterns in your loyalty program members’ behavior (accrual and redemption transactions, collecting points, account registrations, and more) in order to prevent any financial drawbacks from happening.

By implementing this feature, you will be instantly reported about any out-of-the-ordinary incident and, as a result, you and your team will be able to react in no time to any potential loyalty fraud cases - before they will cause any damage

Complete Partner Data Oversight

We know that large enterprises are always in contact with their loyalty program partners and that sometimes results in making necessary adjustments to meet their expectations. That is why CLM also serves as a dedicated module for providing your partners with relevant data and tools in no time.

Using the CLM, you will have access to your partner’s billing configuration as well as the Data Hub - a tool responsible for streamlining the data file exchange processes. It allows users to quickly and easily integrate new partners - reducing the time and costs of new integrations.

Advanced Administration & Reporting

If you’re looking for a solution that will guarantee real-time processing of all of your loyalty transactions, that solution is CLM. The system can definitely serve as an extensive database for your products and stores involved.

Not only is CLM enabled with autonomous fraud detection & prevention mechanisms, but it is also designed to support black-lists administration. Plus, it ensures constant monitoring of loyalty program members’ activity. Any kind of anomalies will be instantly reported to you via alarms & notifications.

Gamification

There is no management
without data

CLM was designed to provide you with detailed customer information collected from multiple sources. In order to help you understand your clients' needs and requirements better, the system analyzes that data with the use of AI (artificial intelligence) & ML (machine learning) technologies. 

As a result, you quickly become aware of what motivates your customers to act, buy, or ask questions. You can later use that knowledge to drive business performance and increase brand awareness significantly. 

Our Clients

    More success stories

    Related materials

    Comarch Loyalty Management for Telecommunications

    Comarch Included in the Forrester Report “Now Tech: Loyalty Marketing, Q4 2018”

    White Paper: B2B Loyalty & Engagement Programs

    Comarch Loyalty Management in the Gartner report

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