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积分虽小也是钱 Loyalive帮你管起来

商家一般都会推出很多积分返利,但是消费者却并不经常会记得兑换这些优惠。而一家初创公司却看到了这其中的商机。

该公司将为消费者提供会员卡积分提示服务,只需一个平台,用户就能管理其名下所有会员卡。

Apptivation的创始人Mark Kanji曾经为包括哈利法克斯、劳埃德集团和苏格兰皇家银行设计开发过app。他在七周前推出了Loyalive。目前,这款app用户已达3万人。

据Loyalive委托Optimum进行的调查研究发现,目前,英国用户尚未使用会员卡提供的优惠总价值已超过50亿英镑。其实,这些优惠可以用于购买机票、节假日、外出游玩或者购买生活用品。

去年,就有五分之一的英国人没有享用会员卡提供的优惠,7%的人则从未使用过优惠。

Kanji表示:“目前为止,市面上尚无任何帮助消费者记录其所有的会员卡积分和记录可享用优惠的工具。”所以他个人出资75万英镑创办了这家公司。他补充道:“我们已经进入了智能手机时代,人们越来越依赖手机辅助管理他们的财务。接下来,我们将迎来会员卡手机化时代。”

用户通过使用Loyalive查看他们的所有会员卡信息,app目前支持130种会员卡,涵盖范围从Tesco俱乐部卡到Nectar卡。

用户注册时需要录入相关的会员卡信息,Kanji承认,这点的确会让用户反感。据预计,到今年11月份,该款app注册人数将达10万人。大约40%的注册用户登记会员卡将超过4张。

Kanji称,各大品牌以往从来都不会主动鼓励用户按时兑换积分,但今后,他们必然会采取主动措施,借以提升竞争优势。

“从Sainsbury和Tesco两大品牌就能看出,有相当一部分用户更青睐廉价品牌。因为他们并没有意识到可以利用会员卡的积分制度换取优惠,从另一方面讲,如果消费者能意识到这方面,那必将会提高他们的品牌忠诚度。”

公司目前还尚未盈利,不过,当其用户数量达到一定高度时,公司就会对想加入该平台的小型零售商收取佣金或冠名广告费。Kanji表示:“我们接下来将在美国进行大力推广。目前,美国的活跃会员卡用户已有30亿人次,每个人平均拥有10张会员卡。”

A new start-up wants to help consumers tap into the free rewards promised by big brands - but rarely claimed

The technology entrepreneur behind many of the UK’s mobile banking apps is now taking on loyalty cards with a new start-up that aims to consolidate branded schemes on a single platform.

Mark Kanji, the founder of Apptivation, which designed and built apps for Halifax, Lloyds and Royal Bank of Scotland, launched Loyalive seven weeks ago and the app already boasts 30,000 users.

There are currently around £5bn in unredeemed points and rewards sitting in UK loyalty cards that could be spent on flights, holidays, days out, or groceries, according to research from Optimum, commissioned by Loyalive.

One in five UK loyalty card owners has not redeemed their loyalty points in the last year, and 7pc never have.

“There’s nothing out there that helps you understand all the points and rewards that you’ve earned across all your loyalty cards,” said Mr Kanji, who has invested £750,000 of his own money into the start-up. “We are now entering an era where people rely more and more on their smartphones to manage their finances. The next thing that should go mobile is loyalty cards.”

Loyalive allows users to see all their loyalty cards in its free app and supports 130 different loyalty card programmes, from Tesco Clubcard to Topshop and Nectar.

Signing up involves inputting your loyalty card information, which Mr Kanji admits “causes a little friction initially”. The business forecasts that 100,000 users will have registered by November this year. Around 40pc have signed up four or more cards.

Brands have not been “incentivised” to encourage their customers to redeem points to date, Mr Kanji claimed, but will soon look to these schemes for competitive advantage.

“Look at Sainsbury’s and Tesco; they are still seeing a flight of people to cheaper brands because they’re not using these loyalty schemes to make a point of difference and do what they’re supposed to do – make customers more loyal.”

The business is pre-revenue but once its reaches a high volume of users, it may allow smaller retailers to push loyalty schemes on the app for a fee, or feature advertising.

“Our next major push will be into the States,” said Mr Kanji, 36. “There are three billion active loyalty memberships in the US and each person has an average of 10 loyalty cards.”


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