The document discusses the integration of loyalty points into consolidated wallets using fintech innovations, highlighting their underutilization and potential to drive revenue growth. It notes that 71% of consumers are likely to switch banks for better loyalty programs and cites Starbucks' success with an integrated wallet increasing revenues by 11%. Additionally, it introduces blockchain technology as an efficient, secure means to process transactions, enhancing resilience and cost efficiency in financial systems.

1. L O Y A L T Y P O I N T I N T E G R A T E D W A L L E T S

2. 2
F I N A N C I A L T E C H N O L O G Y ( F I N T E C H ) I N N O V A T I O N S P E C I A L I S T S

3. 3
“you don’t need to know
about internal combustion
in order to drive a car”
anonymous

4. 4
Loyalty points are transacted through a
highly intermediated and fragmented
market using legacy technology.
T H E P R O B L E M
In addition, they are being underused,
as instead of loyalty they promote captivity.

5. 5
$5trillion
Global Transactions
combining VISA and
MasterCard volumes
K E Y M A R K E T N U M B E R S
CHF1billion
Volume of
Loyalty Points
accumulated in
Switzerland alone.
71%
Percentage of people that
would consider to switch
banks for a better loyalty
point program

6. 6
T H E S O L U T I O N
C O N S O L I D A T E D W A L L E T S

7. 7
Consolidated
Wallets
Low-friction systems enable management
of a variety of assets through a single
account. Money, telephone airtime,
loyalty points or even the ownership
of your home can be integrated
seamlessly.

8. 8

9. 9
Starbucks attributed an 11% growth in
revenues to its integrated wallet and
loyalty point solution.
IN M ON E TA R Y TE R M S , OVE R $350M

10. 10
I F Y O U A R E A C A R D
I S S U E R , Y O U C O U L D
I N C R E A S E Y O U R
R E V E N U E F R O M H E R E
71%
C R E D I T C A R D U S E R S
C O N S I D E R I N G
S W I T C H I N G
G R O W T H A T T R I B U T E D
T O S U C C E S F U L
L O Y A L T Y P R O G R A M S
40%
20%
A V G
M A X
T H E S W I S S V O L U M E
O F C R E D I T C A R D
T R A N S A C T I O N I N 2 0 1 0
S U R P A S S E D $ 7 5 b n
V A L U E O F T H E M A R K E T
O P P O R T U N I T Y I F O N L Y
A 1 % O F T H E S W I T C H E R S
A R E C A P T U R E D
DATA SOURCES: WORLD BANK,
THE TELEGRAPH, SWEETTOOTH
$500m

11. 11

12. 12
ADDITIONAL DATA
W W W . D X M A R K E T S . C O M
M I G U E L . N E U M A N N @ D X M A R K E T S . C O M

13. 1
3
Blockchain
An introduction to

14. Automated, Frictionless & Secure
1
4
Blockchain is a robust platform for distributed,
highly efficient, cryptographically-secured
transactions.

15. 1
5
CENTRALISED
AUTHENTICATION
DISTRIBUTED
AUTHENTICATION
Institutions validate
allowing transactions
to take place
Network consensus
automatically allows
valid transactions

16. Key Strategic Advantages
1
6
Resilience
Distributed systems
are more secure than
centralised.
Transparency
Blockchain ledgers
offer an immutable
auditable trail, enabling
full auditability
Cost Efficiency
Automation and leaner
modern platform architecture
reduce dramatically costs and
friction.

17. 17
Questions?
W W W . D X M A R K E T S . C O M
M I G U E L . N E U M A N N @ D X M A R K E T S . C O M