This document discusses the opportunity to create a loyalty rewards engine that allows both large and small merchants to participate in a single loyalty network. Currently, most loyalty programs are proprietary to individual brands and merchants. The proposed solution would allow consumers to earn points across any business in the network that could then be redeemed at multiple locations. The project aims to drive innovation in the loyalty space by increasing engagement and revenue. An ideal partner would have expertise in both payments and loyalty programs, and could provide a solution that can scale globally and integrate easily with different merchant systems.

1. Loyalty Rewards
Engine

2. Global Payments

3. Loyalty is Critical
Sources: (1) Deloitte national research survey and loyalogy ‘”Loyaltyplus” research study Jan 2013. (2) Harvard Business Review. 5 -Forbes.

4. Loyalty Today
• Many proprietary loyalty programs- cards, apps, key chains,
etc.
• Consumer experience is not the core feature
• Consumers have limited flexibility in rewards they receive.
• Smaller merchants do not have opportunity to get “halo effect”
from larger brands
NO NETWORK LOYALTY SOLUTION

5. Use Case: Yoga Studio

6. Loyalty Rewards Engine
• Overview
• One loyalty platform/engine that different merchants (small to
large) can participate
• Consumers have loyalty card/app which works across network
• Consumer gets points for each purchase
• Points can be redeemed at any business in the network
• Target market
• Large(Macys, Publix, etc) and small merchants(SMB’s)
• Consumers who want freedom in a loyalty program
• Apple Pay
• How can we leverage Apple Pay for loyalty?
• Other solutions/ideas for Apple Pay

7. Project Importance
• Project Context
• Loyalty is a critical component in the payment
ecosystem
• Increased engagement key to driving revenue
• Many players in space trying to win at loyalty
• Strategic Benefits
• Opportunity to drive next innovation in loyalty

8. Project Details
• Project timeline
• 2nd quarter, 2015
• Trying to solve for problem with limited solutions
• What would an ideal partner bring to the table?
• Understanding of payments and loyalty space
• Solution must be multinational(North America, Asia, Europe)
• Easy implementation and localization for different regions
• Ability to solve for multiple verticals (i.e. restaurants, hotels,
healthcare, retail, transportation etc.)
• Integration to merchant POS system should be minimal