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How the Philippines’ Largest Pawnshop Chain Turned Branch Visits into a Lending Engine
Southeast Asia’s largest microfinancial services network used intent-aware engagement with Perx to convert single-product visits into multi-revenue journeys — delivering S$10.3M in net lending profits and a 32x return on subscription cost.
With nearly 3,500 branches and 20 million customers, the network wasn’t the problem. Revenue per visit was. Most customers completed one transaction and left — taking the cross-sell opportunity with them. Their 24K loyalty programme had 18 million members, but membership wasn’t translating into measurable revenue behaviour.
Working with Perx, the team built intent-aware journeys around how customers actually behave at the point of transaction — pawn, remit, borrow — capturing three revenue events from a single visit. Nine raffle campaigns ran across 2025, each mapped to a specific product, segment, and transaction threshold, powered across 3,500+ branch touchpoints and the institution’s microsite.
The campaigns issued 47 million raffle tickets, mobilised ₱27.9B in net deposits, and targeted 709,000 spending users — generating S$10.3M in net lending profits against a S$324K subscription cost. Reward spend held below 0.02% of deposits across most campaigns. That’s a 32x return on actual income, not projected uplift — achieved across just 20% of calendar days in 2025.
See how intent-aware engagement turns every branch visit into a revenue event. Download the full case study
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