Khan Bank

Limited differentiation

Card offerings were similar across the market, making it difficult to stand out and influence customer choice.

Pressure to scale partnerships

The bank needed to grow its merchant partner network while ensuring card campaigns delivered clear and measurable ROI.

Operational inefficiencies in campaign management

Campaigns and merchant discounts were managed manually, which limited scalability, slowed execution, and increased operational effort. Customer segmentation was also manual, restricting personalisation.

Limited real time rewards capabilities

The bank lacked the ability to deliver rewards at the moment of purchase, reducing the perceived value of its loyalty programmes.

The solution:

Khan Bank partnered with Finshape to introduce an integrated loyalty platform designed to support both its technical and business needs

The platform enabled the bank to manage complex earn rules, migrate existing partner programmes, and deliver flexible rewards such as discounts, points, and cashback across channels. It was fully integrated into the bank‘s ecosystem, including mobile banking, POS, and core systems. Key components of the solution included:

A core loyalty engine to manage campaigns and earn rules
Support for discounts, points, and cashback on eligible transactions at partner merchants
An Offer Management Portal to simplify partner onboarding and offer setup
Standard reporting tools for day to day loyalty operations
Integration with the existing mobile banking app through APIs
Connectivity across key channels, including POS, call centre, mobile, internet banking, and core systems

83 million

Loyalty points earned

37,000

Customers reached

66–67%

Loyalty points redemption rate

4 X

Increase in card spend driven by loyalty campaigns

Drives cardholder growth through a digital loyalty ecosystem

Region

Number of customers

Branches

ATMs

The challenge:

Khan Bank faced several challenges in its card and loyalty operations