An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution
Engagement Engine · Product
Your points programme
is a cost centre.
Perx turns it into profit.
Perx Points Engine moves customers from monthly utility to daily habit — engineering psychological lock-in through behavioural currency, AI-powered tiers, and precision rules that direct every promotional dollar only where it moves the P&L.
What makes it different
Most points programmes reward transactions after they happen — creating a ledger liability with no measurable impact on behaviour.
Perx Points Engine engineers the behaviour before the transaction. Every point issued is a nudge. Every tier is a lock. Every rule is commercially justified before it fires.
The problem it solves
Your customers earn points
once a month. Then forget you exist.
Earn-and-burn programmes create a balance sheet liability — not a behavioural asset. Customers accumulate passively, redeem once, and feel no pull to return.
Passive accumulation, no habit
Customers earn points on transactions they were already going to make. No new behaviour. No incremental revenue. Just cost.
Tier systems with no teeth
Bronze, Silver, Gold looks good on paper. But if customers feel no urgency to progress — and no fear of losing status — tiers are decoration, not retention.
Points liability on the balance sheet
Every unspent point is a deferred cost. Without burn mechanics that convert liability into commercial activity, your CFO sees a growing problem.
No switching cost
Without genuine status and daily habit, a competitor's sign-up bonus is enough to pull your best customers away. You've built no lock-in.
How Points Engine solves it
Four capabilities. One points
architecture
built for daily habit.
Every point issued changes a behaviour. Every tier creates a status your customer protects. Every rule is validated before it fires. And the whole system reconciles to your P&L in real time.
Behavioural Points
From monthly utility to daily habit
Multi-Dimensional Tiers
Status that makes switching hurt
Rules Engine
Every point commercially justified
Multi-Category Rewards
Right reward. Right moment.
Engagement & MAU
Turn every digital action into
a reason to open your app.
A behavioural currency that converts everyday actions — logins, transfers, bill payments, savings milestones — into brand equity. Your app becomes a fixture in the customer’s daily routine, not a tool they open once a month.
“”Ownership and possession bias means accumulated points are not perceived as a brand benefit — they are perceived as personal wealth. A customer sitting on 4,000 points has a psychological stake in your ecosystem that no competitor can instantly replicate.”
“
Behavioural Points Issuance
Reward the actions that build habit — not just the transactions
Issue points on any customer action — logins, profile completion, bill payments, savings goal milestones, app opens. Every micro-action becomes a reason to return.
Psychological driver: Variable Reward Loops
Shared Economy
Turn your best customers into your cheapest acquisition channel
Built-in point pooling and gifting mechanics. Customers share points with family, refer friends into the programme, and create viral network effects — all within your controlled ecosystem.
Result: 90% surge in sign-ups at client deployments
Multi-Condition Rule Builder
Fire only when every commercial condition is met
Stack up to six conditions simultaneously — transaction type, spend threshold, merchant category, channel, customer segment, time window. Rules that don’t meet every condition simply don’t fire. No exceptions, no manual overrides.
Built-in safeguard: Rules auto-pause when budget threshold is reached
AI P&L Modelling
Know the revenue impact before the rule goes live
AI models the expected transaction lift, reward cost, and net P&L impact of every rule before approval. Marketers see the commercial case before committing spend — not after the campaign closes.
Pre-campaign: P&L modelling built into every rule workflow before approval
1.12M
Proof point · BFSI Client · Daily Habit Formation
Active users scaled by rewarding daily digital interactions
A leading BFSI client moved from monthly transactional engagement to daily app habit — 1.12M active users driven by behavioural points issuance across logins, transfers, and in-app actions.
Retention & CLTV
Make switching feel like
a personal demotion.
AI-powered tier systems that detect upgrade proximity per customer in real time — intensifying the right incentive at exactly the right moment. Loss aversion anchors your highest-value customers more powerfully than any reward budget ever could.
“The customer who is 850 points away from Platinum is not thinking about your competitor. They are thinking about the gap. That near-miss psychology is the most commercially valuable moment in your loyalty programme.”
AI Tier Proximity Detection
Show customers exactly what they're about to lose
AI monitors each customer’s tier position in real time and fires the right nudge at the right proximity threshold — “You’re 850 points from Platinum. Make one more purchase this month to unlock 3× dining points.” Loss aversion does the rest.
Psychological driver: Loss Aversion & Near-Miss Effect
Leaderboards & Status Badges
Give your best customers a stage — and watch them spend to stay on it
Social influence drives aspiration. Customers who see their rank relative to peers consistently increase spend to maintain position. Badges crystallise status into a permanent visual identity — a digital trophy that makes churn feel like public demotion.
Psychological driver: Social Influence & Elite Identity Formation
72%
Proof point · Multi-Market · Tier Progression
Returning customer rate via automated tier-progression loops
Automated tier proximity nudges keep customers in a permanent state of near-miss psychology — always one purchase away from the next level. 72% return, not because of the reward, but because of what they’d lose by not coming back.
Revenue & CAC
Every point issued.
Every dollar
commercially justified.
AI-powered precision logic applies granular triggers to every customer action and continuously monitors which rules are delivering ROI and which are not. No spray-and-pray. No manual analysis. No underperforming rule runs undetected.
“The rules engine is what separates a points programme that costs money from one that makes it. Every rule is modelled for P&L impact before it fires — and auto-paused the moment it stops delivering.”
AI-Powered Precision Rules
Direct every point only at behaviour that moves the P&L
Stack up to six conditions per rule — transaction type, merchant category, spend threshold, channel, segment, time window. AI models expected P&L impact before approval. No rule fires without a commercially justified case.
Result: $446 incremental spend per single rule triggered
Automated Reconciliation
A points ledger your CFO trusts — in real time
Audit-ready exports that align point issuance and burn with your financial ledgers. Every point issued, held, or redeemed is reconciled in real time. P&L visibility without the manual export cycle.
Result: Real-time P&L visibility — zero batch lag
$446
Proof point · Leading BFSI Enterprise · Precision Rules
Incremental spend generated per single rule triggered
Precision rules direct points issuance only at behaviours that generate commercial return — not at transactions that would have happened regardless. Every point issued has a validated P&L case behind it.
Margin Optimisation
The right reward. The right
moment.
Never a dollar over.
AI matches the right reward to the right customer at the right moment — blending points, vouchers, and game tries dynamically. Every interaction is met with an incentive of exactly equal psychological value. Maximum impact, minimum spend, zero manual calibration.
“Over-rewarding is as damaging as under-rewarding. A reward worth more than the behaviour it triggered costs you margin. Perx AI calibrates to psychological value — not arbitrary reward brackets.”
AI Reward Matching
Match reward value to psychological value — automatically
AI dynamically blends points, cashback, vouchers, and gamification tries to find the incentive of exactly equal psychological value for each customer action. No manual calibration. Maximum engagement per dollar spent.
Psychological driver: Variable Ratio Reinforcement
Multi-Category Reward Catalogue
Give customers choice without giving up margin control
Points, vouchers, cashback, digital goods, game entries — all configurable in a single reward catalogue with individual margin controls per category. Customers feel richness of choice. You control every cost line.
Coverage: Points · Vouchers · Cashback · Game tries
$6.6M
Proof point · APAC · AI Reward Matching
Transaction value generated by matching the right reward to the right moment
AI reward matching generated $6.6M in transaction value — not by spending more on rewards, but by ensuring every reward issued was the one most likely to drive the next commercial action.
In the real world
Points that show up
on the P&L.
Every number is attributed to a specific points mechanic, a specific rule, a specific outcome.
Largest Bank · Philippines · Behavioural Points
82%
Cardholders actively earning and redeeming — 63% earn-to-burn ratio, one of the highest in the market.
BFSI Client · Daily Habit Formation
1.12M
Active users scaled by rewarding daily digital interactions beyond just transactions.
Multi-Market · Tier Progression
72%
Returning customer rate via automated tier-proximity nudges and loss aversion mechanics.
APAC · AI Reward Matching
$6.6M
Transaction value generated by dynamically matching the right reward to the right customer moment.
Frequently asked
Questions buyers ask
about Points Engine.
Backed by FAQPage schema — surfaced by AI engines when buyers research loyalty points platforms.
What is a behavioural points engine?
A behavioural points engine issues points not just on transactions but on any customer action — logins, profile completion, savings milestones, bill payments — converting everyday digital interactions into brand engagement. Perx Points Engine goes further by using AI to model the P&L impact of every points rule before it goes live.
How is Perx Points Engine different from a standard points programme?
Standard programmes issue points on spend and create passive accumulation with no behaviour change. Perx Points Engine combines behavioural issuance, AI tier proximity detection, precision rules, and dynamic reward matching — engineering daily habit and loss aversion, not just a running balance.
How do AI tiers increase customer retention?
AI monitors each customer’s tier position in real time and fires proximity nudges at the exact moment loss aversion is strongest — when they are close to upgrading or at risk of dropping down. This keeps customers in a permanent state of motivated engagement. Perx clients achieve a 72% returning customer rate via automated tier-progression loops.
How does the rules engine protect promotional budget?
Every rule is modelled for expected P&L impact before it goes live. Rules auto-pause the moment ROI drops below threshold. Budget guardrails cap spend automatically. No underperforming rule runs undetected.
Is the points ledger audit-ready for regulated financial institutions?
Yes. Automated reconciliation exports align point issuance and burn with financial ledgers in real time. ISO/IEC 27001 and ISO 27018 certified. GDPR compliant. RBAC controls ensure the right team members manage the programme with full maker-checker governance.
Also in this product
Shared Economy
Point pooling and gifting to drive viral growth — 90% surge in sign-ups at client deployments.
Easy Migration
Seamless transition of legacy point balances and member data — zero-downtime transition guaranteed.
Automated Reconciliation
Audit-ready exports aligning point issuance and burn with financial ledgers — real-time P&L visibility.
RBAC Governance
Granular permission settings defining what teams can see and do — Tier-1 BFSI audit-ready.
Built for BFSI compliance
A points economy your CFO
and compliance team both approve.
Every point issued, held, and redeemed is reconcilable, auditable, and compliant — from day one.
ISO/IEC 27001 & 27018
Certified. Audit-ready from day one.
GDPR compliant
Zero & first-party data by design.
Automated reconciliation
Real-time P&L alignment — no manual export required.
RBAC governance
Full maker-checker — right people, right access.
Easy migration
Zero-downtime transition from any legacy points platform.
Multi-market architecture
One points engine across all APAC markets.
More products in the
Engagement Engine
See Points Engine in action.
30 minutes. We’ll model the habit and retention impact for your customer base.
An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution
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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