Points are a liability
Unredeemed points sit on the balance sheet; finance wants the programme measured like a business.
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Programmes designed, built and operated on our own Loyalty Engine, across ten countries and hundreds of partners. Measured in projected value, not vanity engagement.
Unredeemed points sit on the balance sheet; finance wants the programme measured like a business.
A loyalty programme is only as strong as its earn-and-burn network.
Churn risk and propensity models decide the next best offer, not static tiers.
Programme economics first: liability, breakage and projected value modelled before a single point is issued.
The Raven Loyalty Engine: rules, tiers, partner network and liability control, live at Santander and LATAM.
Lifecycle campaigns run on predictive models, reviewed weekly against incremental value.

01See the case →
02See the case →Programmes designed, built and operated on our own Loyalty Engine, across ten countries and hundreds of partners. Measured in projected value, not vanity engagement.
Think: Programme economics first: liability, breakage and projected value modelled before a single point is issued. Build: The Raven Loyalty Engine: rules, tiers, partner network and liability control, live at Santander and LATAM. Sell: Lifecycle campaigns run on predictive models, reviewed weekly against incremental value.
A loyalty programme across ten countries can run on one engine, one liability model and one measurement spine. €350M+ in projected value comes from treating loyalty as a commercial system, not a marketing perk.
Think, Build or Sell, a focused engagement or the full journey. We reply within 48h.
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