BFSI Loyalty Programme Software for Vietnam's Agent Networks

Enrolment, then verification. Registration records who the participant is, which territory or partner outlet they work from, and the account that will receive settlement. Consent is captured at the same moment, because a participant record is personal data under the Law on Personal Data Protection 91/2025/QH15, in force since 1 January 2026. Until verification clears, activity is logged but no balance accrues.

Activity credit recognises the effort a programme wants repeated: training completed, appointments kept, quotations raised, partner outlets visited. Outcome credit recognises business that completes and stays on the books past its qualification window. Running both together stops a programme rewarding only closers, and stops it paying for activity that never converts. The weighting between the two is set per audience.

Bands are evaluated on a rolling window against thresholds published before the period opens, reading the system of record rather than a self-declared figure. Promotion and demotion are therefore both automatic. Manual overrides exist, but as a logged exception with a named approver rather than a routine tool, which is what keeps a band worth holding.

Approved earnings are released in VND to the participant's verified bank account or e-wallet on the programme's published cycle. Approval limits, per-cycle ceilings and duplicate checks run before release, and every record is matched against the bank statement afterwards. Participants follow each release in the app, so the finance team is not answering calls asking where a payment went.

By publishing the rules before a contest opens instead of explaining them after it closes. Each campaign states its window, its eligible audience, the measure it ranks on, the tie-break and how many places are awarded, and the standings update while it runs. Disputes fall away once a participant can see their own position alongside the rule that produced it.

Yes. Completed business, servicing events and status changes arrive over REST API or scheduled file transfer from whichever system of record holds them. The rule engine evaluates each record against the earning rules in force when it occurred, not the rules in force today, and writes the resulting entries back so finance and audit reconcile against a single set of numbers.

Audiences, boards and contest calendars are scoped by region, so the North, the Centre and the South can run different mechanics under a single programme. Territory structures follow the two-tier administrative model of province, then commune or ward, in place since July 2025. Seasonal campaigns usually anchor on the Tết build-up, which the north and the south begin on noticeably different timelines.

Reversal when business lapses inside its qualification window, ageing checks before any release, anomaly scoring on unusual volume patterns and repeated documents, and multi-level approval above a configurable value. Flagged cases go to a review queue rather than being paid and then chased. Rules are evaluated on the server, so nothing is decided on the handset.

In-app push carries band movements, contest standings and settlement confirmations. WhatsApp Business API and SMS carry scheme changes and reminders to people who are not in the app every day. Sends are opt-in and scheduled per campaign, and every notice is stored with its date, so the version of the rules a participant was shown can be produced later.

Cost against budget in VND, band distribution, contest participation, regional engagement and open exceptions, with drill-down to individual entries for audit. The 1Voice assistant answers plain-language questions across the same data. Participant records are handled to support obligations under the Law on Personal Data Protection 91/2025/QH15, with consent, retention and access controls configurable. 1Channel supports that compliance work and does not certify it on a customer's behalf.