BFSI Loyalty Programme Software for Saudi Arabia

Direct sales agents and finance company loan officers source current-account, personal-finance, asset-finance, and SME applications across Riyadh, Jeddah, and the Eastern Province. The rule engine reads core banking, applies clawback for early default, and unlocks the slab once monthly disbursement crosses threshold. Approved rewards settle in SAR by bank transfer the same business day.

Life, general, and health insurance agents move through Silver, Gold, and Platinum based on policy count, premium income, and 13-month persistency. Tier evaluation reads the policy admin system, so rewards follow issued policies, not self-claimed sales. Benefits configure per programme: cash to a bank account, club recognition, or non-cash awards, in line with insurer conduct and compliance policies.

At enrolment an agent captures a bank account (verified against national ID or Iqama records) or a registered STC Pay wallet. Approved rewards settle by fast bank transfer or to the wallet. Per-day, per-account, and per-programme caps apply. Statement reconciliation runs automatically and agents see status in the app, so nobody chases a payout by phone.

Yes. Merchant-acquiring agent teams and their POS agents earn on terminal activations, transaction volume, and merchant-onboarding count across commercial districts and souqs in Riyadh, Jeddah, and Dammam. Regional agent managers run their own agent hierarchy, KYC, and messaging track, while the rule engine settles commissions and bonuses to each agent's registered account.

Clawback on early defaults, ageing checks before release, AI anomaly scoring on velocity spikes and duplicate documents, and multi-level approval on high-value payouts. Flagged cases route to a review queue. Server-side validation keeps rules off the phone, and genuine agents still receive their payout on time.

Loan disbursements, policy issuance, and premium receipts flow in over REST API or SFTP from the core banking or policy admin system. The rule engine scores each transaction against active slabs and triggers payout. Bidirectional sync writes payouts back to the source system for accounting and audit reconciliation.

Regional leaderboards rank DSAs, insurance agents, and loan officers on monthly volume and conversion across the Central, Western, and Eastern regions. Tier badges show in the app. Challenge campaigns cover motor-insurance drives, SME-finance sprints, and Ramadan-season pushes. Audience eligibility configures per challenge in the portal.

WhatsApp Business API and SMS send DSA scheme alerts, persistency reminders, agent recognition notices, and relationship-manager volume updates. Two-way replies cover slab status and payout timing. Delivery runs in Arabic and English, extending to other languages for the market's multilingual field workforce, is opt-in compliant, and schedules per campaign through the automation engine.

Live payout run-rate in SAR, slab velocity, persistency trends, region-wise engagement, and fraud flags. Finance sees payout cost against budget. The 1Voice assistant answers plain-language queries like the top five DSAs by personal-finance disbursements this month. Drill-downs reach individual transactions for audit.

Yes. The agent app runs on standard Android and iOS handsets and keeps working while agents travel between Riyadh, Jeddah, Dammam, and more remote regions, queuing entries and syncing automatically once back in range, so field work continues across the Kingdom's long inter-city routes. Member data and consent are handled in line with the Personal Data Protection Law (PDPL) and SDAIA expectations.