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How Capitec Bank Drove 8.2M Transactions and Ranked #1 in Loyalty With Perx
Driving Loyalty & Topline Growth Through New-Age In-app Engagement Strategies
Despite a 14M-strong customer base, the bank was hitting the limits of traditional points-led loyalty. Engagement was stagnating, campaign cycles were slow, and customers were showing classic signs of points fatigue. The bank needed a faster, more dynamic approach to influence everyday banking behaviours, one that could scale without heavy IT lift and deliver measurable financial outcomes.
Perx deployed a behaviour-led engagement layer directly into the bank’s mobile app, enabling rapid rollout of gamified journeys, instant rewards, and personalised triggers – all without heavy IT lift. The bank quickly launched multiple high-frequency experiences that nudged everyday actions, increased usage, and unlocked new transaction behaviour at scale.
The partnership delivered measurable commercial impact: the bank achieved a 37% MAU rate across its 14 million customers, generated 8.2 million Perx-powered transactions, and saw active users complete an average of 188 additional transactions. Progress-led journeys unlocked R1.3 billion ($67.9M) in actual transaction value and delivered a 1.2× ROI within seven months, helping the bank secure the #1 loyalty program position in South Africa.
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