Fintech innovations for Rewards and Loyalty

It is well known that it is more expensive to acquire clients than to retain them. However, the increasing set of choices available as well as the ease of switching has meant that customer churn within an industry may be increasing while market shares are often static.
This results in a status quo but with an increase in costs. The obvious solution is to prevent churn, i.e. retention of clients. The dominant tool has been the use of monetary and non-monetary rewards based on time and spend while there has been an increase in loyalty based systems where clients are rewarded for higher spend as well as longer tenure.
Here are a few fintechs that relate to rewards and loyalty:
Big data and AI cash flow management solution for SMEs, offered in collaboration with banks to improve service delivery, loyalty and share of wallet.
Fintech Themes: Financial Inclusion, Artificial Intelligence / Digital Labour
Stock Shop: Online Academy & Gamified Action-learning System
Gamified learning system on financial products with rewards and tracking consumer behaviour
Fintech Themes: Gamification, Financial Inclusion
FamDoo: The 'Modern Allowance' Gives Appropriate Entry to the Youth Market
Digital tool to build loyalty in children by linking allowance to tasks
Fintech Themes: Insurance, Bank in a Box
Distributes rewards and vouchers from retailers via mobile applications instead of magazines and newspapers
Fintech Themes: Mobile VAS / Mobility
Kikr - The Social Shopping Wallet That Pays You
Universal mobile wallet linked to loyalty rewards programs that sends personalized offers
Fintech Themes: Mobile VAS / Mobility
Mobile payments that support local businesses and earns rewards that can be donated to charities
Fintech Themes: Mobile VAS / Mobility