HBL Microfinance Bank · loyalty & engagement program
Six reward layers on one wallet, run from a governed console inside the bank's own data centre. Two products to try: what the customer touches, and what the program office sees. Everything here is illustrative data.
Ayesha Karim, month three, Root tier. Onramp, Foundation cashback, daily streaks, the fraud quiz, a Moments reward and a live Trust Score. Every tap moves real state.
Open the demo → Side twodesktop · 1560px+Overview, layers, customers, points liability, engine config, campaigns, approvals, fraud & abuse, credit desk, onramp funnel, reconciliation, board reporting, partners, audit and access.
Open the console →The program in plain language. Also the reference for branch and contact-centre staff.
Every console screen, which role may take which decision, and the procedures.
A loyalty program run as a financial instrument. Three decisions, nothing else.
For noting and decision: liability, governance and the control room.
The strategy extracted for development: six layers, constraints, roadmap, metrics.
Beyond the Reward Hub: market context, the JazzCash teardown, international benchmarks.
Alternate treatments of the same material: strategy brief as a deck · build spec as a deck · spec v2 · spec v3 editorial · spec v4 briefing pack.
Prepared by ADLR for HBL Microfinance Bank, August 2026. Illustrative data throughout; nothing here is a production system or a customer record.