Cardholders built up reward points with few ways to use them. Every unredeemed point was a growing liability for the bank, and its most valuable customers booked their travel somewhere else.
The answer was a travel shop inside the bank’s own secure environment, paid by card, by points or by both. It was not a consumer travel site. It was white-label and API-first, so other banks could rebrand it with their own loyalty rules, card benefits and suppliers. Two products shipped together: the customer shop, and a portal for operations, support, finance and loyalty.
- Several suppliersEach returned different data. The primary flight supplier changed mid-project.
- Three ways to payCard, points or a split, with the conversion done for the customer.
- A benefit that might not applyThe free bag could be granted, already included by the airline, or rejected.
- Payment before ticketingMoney could clear before the airline issued the ticket.
- Two reading directionsEnglish and Arabic at full parity, with every string reviewed by the bank.
When the flight supplier changed, I ran joint workshops with the bank’s engineers and the new supplier’s technical leads to map the new API and agree on the revised journey. The launch stayed on schedule.