An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution
Behavioural Loyalty Platform
Stop rewarding
transactions.
Start engineering
profit.
Connect every customer action to measurable topline growth – replacing passive points ledgers with an AI-directed behavioural engine.
Client Topline
Contribution
Contribution
$
0
B
Platform ROI
(Banking & Telco)
(Banking & Telco)
0
X
Net-New Customers
Acquired
Acquired
0
M
Engaged
Consumers
Consumers
0
M
Loyalty. Measured in Profit.
The Issue: A Vicious earn-and-burn trap
Your loyalty programme is
spending money. Not making it.
Most brands run points programmes built for a different era – creating balance-sheet liabilities with
zero measurable P&L impact.
zero measurable P&L impact.
No revenue attribution
Engagement scores don't appear on the P&L. Leadership wants proof loyalty pays.
IT is the bottleneck
Every campaign needs a sprint cycle. The market moment passes before you launch.
Fragmented martech
Points here, CRM there, campaigns elsewhere. Customers feel every gap.
Points fatigue is real
Earn-and-burn commoditises your brand. Customers redeem and leave — not stay and grow.
What Perx does differently
“Built for the rigour of banking, insurance, and financial services
from day one — not retrofitted for it.
from day one — not retrofitted for it.
The only platform that turns customer behaviour into measurable profit, with enterprise-grade compliance built into every layer.”
How Perx works
From customer signal to
measurable profit in three steps.
Most brands run points programmes built for a different era – creating balance-sheet liabilities with zero measurable P&L impact.
01
Ingest & connect
Connects to your existing core banking, CRM, or app via API — no rip-and-replace. Data flows in real time across every touchpoint.
02
Engineer behavior
AI detects signals, fires precision rules, and deploys gamified mechanics — nudging customers toward revenue-driving actions before IT gets involved.
03
Measure profit impact
Every action maps to a P&L outcome. Transaction lift, reward ROI, and churn risk — visible in real time, boardroom-ready.
FAQs
Common questions
What is a Behavioural Loyalty Platform?
It engineers the customer actions that lead to revenue, rather than rewarding transactions after they happen. Uses real-time signals, AI personalisation, and gamified mechanics to drive activation, cross-sell, and lifetime value.
How is Perx different from a traditional loyalty platform?
Most loyalty platforms were built for retail, then retrofitted for regulated industries. Perx was purpose-built for BFSI, connecting every engagement mechanic directly to P&L and delivering $2.9B in client topline and 5.8x platform ROI.
What ROI does Perx deliver?
On an average – 5.8x platform ROI for banking and telco customers in a year. In addition to this, a reduction in cost per engagement by 72–88% vs. traditional paid channels.
How quickly can we go live?
In weeks, not months. The Perx Campaign Orchestrator lets marketers launch campaigns in hours without IT dependency. No rip-and-replace. Perx integrates via API into your existing stack so you can get started in no time!
Is Perx compliant for regulated financial services?
Yes. ISO/IEC 27001 and ISO 27018 certified, GDPR compliant, with on-premise deployment available. Built-in maker-checker controls, RBAC, and budget guardrails for Tier-1 BFSI security audits.
The Perx Loyalty Stack
One stack. Every customer moment.
All mapped to profit.
Six modular engines. Plug in what you need. No rip-and-replace. Just results.
AI-Powered
Engagement Engine
From earn-and-burn to earn-and-belong.
Points, rewards, and ecosystem — built for enterprise scale. Launch a full programme on Day 1 with pre-integrated rewards inventory and zero merchant onboarding lag.
Merchant Engine
One hub. Every partner. Infinite redemption.
Scale your rewards catalogue to thousands of SKUs without adding headcount. Self-service for partners, full control for your team.
Merchant Ecosystem
Self-serve partner portal with configurable approval workflows. Unlimited catalogue scalability.
AI-Powered
Behaviour Engine
Engineer the behaviour. Own the habit.
The intelligence layer that turns customer signals into repeatable, profitable actions — not after the transaction, before it.
Behaviour Mechanics
Quests, streaks, referrals, leaderboards, scratch cards, badges — psychology-led mechanics.
Precision Engine
Hyper-granular rules that fire only when commercially validated. AI models P&L impact before every rule goes live.
AI-Powered
Campaign Engine
Orchestrate revenue. Not just campaigns.
AI detects revenue gaps, generates campaign briefs with predicted outcomes, and executes — without waiting for your team to spot the opportunity.
Campaign Orchestrator
AI-generated briefs with predicted ROI attached before approval. Maker-checker built in.
Experience Microsite
Campaign-ready customer site — no IT ticket, no release cycle, no dev queue.
Social Sharing Engine
Turn customer wins into your cheapest acquisition channel. Compliance-locked branding.
AI-Powered
Insights Engine
Loyalty measured in revenue. Not dashboards.
Board-ready KPIs mapped to P&L — not open rates. The CFO sees revenue attribution. The CMO sees campaign ROI. The CRO sees churn before it becomes churn.
Real-time Dashboards
Revenue, transactions, and behaviour uplift — live and boardroom-ready.
Reports
The loyalty report your CFO has always asked for. Attribution built in.
Advanced Insights
Find the revenue hiding in your existing customer base. AI churn prediction with revenue-at-risk figures.
Professional Services
Software is half the battle. We’re the other half.
Expertise, bandwidth, and strategic counsel to ensure your programme delivers measurable impact — from day one and beyond..
Guided Implementation
From contract signed to first campaign live — zero friction. A playbook built for enterprise complexity.
Customer Experience
24/7 mission-critical support with guaranteed SLAs. Tiered plans for every risk appetite.
Continuous Training
Your team changes. Your programme performance shouldn’t. On-demand mastery sessions.
Strategic Oversight
A senior BFSI advisor — human, not just an AI agent. Proactively aligned to your P&L growth.
Commercial Operations
Bypass PO gridlock. Pre-paid token model lets you move at market speed.
AI-directed. Not just AI-powered.
AI that recommends.
Marketers that approve.
Results that compound.
Detects signals, surfaces revenue gaps, generates campaign briefs with predicted outcomes —
all within your compliance guardrails. Every cycle gets smarter.
all within your compliance guardrails. Every cycle gets smarter.
Faster rule deployment vs. legacy platforms, from brief to live in hours, not sprint cycles
0
X
Engagement lift with AI-targeted mechanics over batch-and-blast campaigns
0
X
Returning customer rate via automated tier-progression loops and churn prediction
0
X
Incremental spend generated per rule triggered at a leading BFSI enterprise
$
0
Enterprise-grade. Compliance-native.
Bank-grade security.
Fintech-grade speed.
10+ years of regulatory complexity baked in — not bolted on after the fact.
ISO/IEC 27001 & 27018
Certified cloud security. Audit-ready from day one.
GDPR compliant
Zero & first-party data by design. No third-party dependency.
On-premise deployment
Full data sovereignty for enterprises that require it.
BFSI-native controls
Maker-checker. Budget guardrails. RBAC built in.
15+ markets
Cross-border compliance. Single API across SEA & APAC.
Live in weeks
No IT ticket required. Self-onboard. Launch fast.
Results on the P&L
102M engaged consumers.
Every outcome attributed to revenue.
Digital Bank · Indonesia · SMBC Jenius
18.5x ROI
Campaign-level return, behaviour-driven engagement converting directly to P&L.
Leading Retail BFSI · Philippines
0.6–2.1%
Reward cost as % of transaction value driven, strong margins maintained throughout.
Retail Bank · Africa · Capitec Bank
72–88%
Reduction in cost per engagement vs. traditional paid channels.
Leading SEA Digital Bank
$3.1M
Incremental profitability generated through engagement-driven banking behaviour uplift.
Trusted by leading financial
institutions across 15+ markets
See what Perx does
for a business like yours.
Pick the conversation that fits where you are.
- ISO certified
- GDPR compliant
- Go live in weeks
An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution
SAY HELLO
Perx Technologies Pte Ltd
20A Tanjong Pagar Road
Singapore 088443
An ISO/IEC27001:2013 and ISO 27018:2019 compliant cloud solution
An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution