Loyalty in Retail

Customers’ loyalty is one of the vital metrics for any retailer – brick-and-mortar or e-commerce. Nurturing it via point collection schemes that give access to discounts or additional services has become standard, but this method of engagement has lacked true innovation over the past decades.
Banking-as-a-Service platforms


Multiple reward schemes have become generic and fail to drive loyalty. True loyalty only happens when your programme offers valuable incentives that drive customers to purchase and return to your brand. Giving your customers financial benefits that make a tangible difference in their lives gives them a reason to choose you.

Our Solution

We helped launch Aion Bank, a mobile-first, fully digital bank. Through the VODENO Cloud Platform, Aion’s IT covers all aspects of Retail & SME universal bank activities with hundreds of open APIs. Aion’s service is also secure by design with data security using unique customer keys with blockchain integrity control algorithms.
Branded cards with points collection Icon

Branded cards with points collection

Decoupled debit functionality Icon

Decoupled debit functionality

Flexible and customisable payment options Icon

Flexible and customisable payment options, e.g. Buy Now Pay Later

Insights and analytics Icon

Insights and analytics of spending habits

Bespoke promotions Icon

Bespoke promotions to the most engaged segments


Daily banking

Digital onboarding

Daily banking

Cards - virtual and physical

Daily banking

Decoupled Debit

Daily banking

Embedded Lending


iOS, Android and web apps

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Customer support

24/7 multilingual Customer Support Centre.
Savings and investments

Customer communication

Full suite of communications: SMS, Email, Push and Voice.

Daily banking services

Other services


KYC/AML/AF management

Compliance out-of-the-box: 500+ controls to guarantee the highest security standards; 360 degree AML & AF detection; Compliant with EBA, GDPR, ISO 27001, ISO 222301 and other standards.

Credit risk management

Operational capabilities for credit risk, payments and cards.
Savings and investments

Data and reporting



Foreign Exchange

In-house FX engine: best-in-class technology combined with direct access to interbank rates, liquidity and risk management.



Savings and investments

Cloud engineering


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