Fraud protection built into the service.
Fraud detection and operations run as part of the managed service, protecting the program without adding work for your team.
Industries · Financial services
Incentive programs for financial services.
Banks, neobanks and lenders compete where acquisition is expensive and the second product is where the economics work. Aklamio brings in qualified new customers, deepens the relationship and activates the employee and partner channels behind your best business.
40+
implementations
2M+
qualified leads
50
markets
2 to 4 wk
time-to-live
Santander
Trusted by the leading banks and lenders
Built for the hurdles financial services actually faces.
Expensive acquisition, slow product cycles, strict compliance and a customer base where the second product is where lifetime value lives. Aklamio starts right there: incentive programs lower acquisition costs, sell the second product and pass every audit.
Aklamio offers the technology that powers SWK Bank's refer-a-friend program and continuously presents us with new ideas to optimize our results.
The most common incentive programs
for financial services brands.
The combination financial services brands run most often, all on the same platform: one integration, central control, programs you can add, pause or recombine as the market demands.
The features and services a financial services incentive program needs.
Every financial services program runs on the same platform and the same managed service. These are the parts that do the work.
Every reward in one customer account.
Users are credited across every program in one central incentive wallet and can view it in branded user dashboards. Nobody has to hunt across separate portals, and it stays clear where a reward went.
Identity checks where needed, VAT where it applies.
When a payout looks suspicious, Aklamio runs an identity check on the recipient. Payouts to frequent earners can include VAT or 1099 reporting, so high-volume advocates are paid correctly.
Central control across every channel that sells for you.
Incentivize across web, app, call center, POS, door-to-door and partners. One implementation across all your sales channels.
Reward rules and triggers, owned by marketing.
Define reward rules and triggers without engineering tickets. Update reward schemes in minutes, not sprints.
Strategy and best practices, shared.
Guidance on program design, reward economics and ongoing optimization from a team that has learned what works across 400+ implementations.
Your brand on the surface, our infrastructure underneath.
Your customers experience your brand, start to finish. Our infrastructure does the heavy lifting behind the scenes.
An open platform that lives inside your stack.
API connectors that embed the platform into your stack for automation and full data access.
Real-time dashboards on every detail.
Real-time dashboards on program and campaign performance, funnel analysis, channel mix and reward ROI.
Built for regulated industries. Ready for procurement.
Compliance and fraud prevention are handled by the platform, not handed back to your team.
GDPRCCPAISO 27001SOC 2FCAMFARBAC
Questions we get asked
Straight answers on KYC, qualifying events and running introducer programs across markets.
Book a DemoHow does a reward program fit with KYC and anti-money-laundering obligations?+−
KYC and anti-money-laundering handling on reward payouts runs as part of the service, applied to the standard each market requires rather than configured per program. Full records of who was paid what, when and under which program terms are retained, which is what a financial services audit asks for and what makes these programs hard to run on a generic marketing tool.
When is a reward confirmed for a product that has to be funded or activated?+−
As always, rewards are only confirmed once the reward criteria you set have been met. We are happy to advise you on setting them. Usually that means at least a first deposit or a minimum balance held for a set period for an account, the first transaction for a card and the drawdown for a loan. Until then the recipient sees the reward as pending in their dashboard. So you never pay rewards for products that are opened but never used.
Can one platform cover current accounts, cards, loans and investments?+−
Yes, and that is increasingly why banks come to us. Current accounts, cards, loans and investments have very different values, sales processes and product cycles. A single flat reward does not fit them. You can map every product in one program, with its own reward value, eligibility and reward criteria, or set up a dedicated program for each product. Both run on one platform with central control. Because the customer relationship usually starts with one product, multi-product setups like these are the ideal use case for running sales promotions, upsell and cross-sell campaigns and referral programs side by side.
Does this work in the branch and on the phone, or only online?+−
Every channel, and in financial services that matters more than in most categories because a customer who starts online often finishes in a branch or on a call. The platform can optionally connect to every sales channel. Branch and relationship staff record rewards through the agent interface or sign customers up for the refer-a-friend program directly. Call centers work the same way. Online and in the app, our technology captures sales automatically. Everything runs through central control, so a branch-closed account and a web sign-up can be attributed and rewarded the same way, and reporting shows which branches, teams and regions actually convert.
Can we offer a referral program only inside our banking app?+−
Yes. Through our APIs, almost the complete functionality can be integrated directly into your app: generating referral links, capturing referrals and sales, and showing reward status. Your customers stay entirely in your app and your design. Aklamio handles reward fulfillment, KYC, fraud prevention and customer support in the background.