Product Case Study

Consumer Rewards

Driving ACH adoption through gamification

The Problem

Merchants save 3% on ACH vs. cards, but consumers see no benefit. Bank linking feels risky and there's no immediate reward, so they default to cards.

The Hypothesis

Fund consumer rewards from merchant savings. Use points, tiers, and social competition to make ACH feel rewarding, not sacrificial.

Key Features

Tiered Rewards
Savings Visibility
Leaderboard
Referral Program

Success Metrics

ACH %

Adoption

Redeem

Rate

D7/D30

Retention

Referral

CVR