Infosys Internal Analysis
AXP Internal 1
Loyalty Products for Amex Global Loyalty Platform
Point of View
Infosys Loyalty Center of Excellence, Cards & Payments Practice
July - 2015
14-Aug-15
AXP Internal 2
Table of Contents
• Prelude
• Amex Current Loyalty program- Domestic,
International markets
• Product Fitment for below areas
• Points Bank
• Rewards Engine
• Merchandize Catalogue
• Points Exchange
• Business Rules Engine
• NAP (Network API Platform)
• Our Perspective
©2015 Infosys Confidential 14-Aug-15 AXP Internal 3
Prelude
Evolution of Loyalty Programs in Financial Services
The First credit card co-brand was launched between Citibank & AAdvantage in 1987. United & Continental subsequently followed
…show more content…
Bank
Global Loyalty Platform
Internal
Systems
©2015 Infosys Confidential 14-Aug-15 Our Overall Perspective
Technology
Value
AXP Internal
The Global loyalty platform will help in the rationalisation of applications and infrastructure Scalable and customizable solution across multiple portfolios, geographies and markets Automation of marketing coupled with fast check-in and check-out creates conducive environment for effective loyalty marketing 12 Encompass new age concepts like social media, IOT, NFC Technology, smart cards, RFID and emerging payment application
Global loyalty platform will help increase the agility in reacting to changing demands Increase ancillary revenue post launch of program American Express
Global Loyalty Platform
(Key ROIs) Business
Value
Better view and handling of the loyalty programs with effective utilization of points for customers
Investment in R&D to get insights into Customer Needs and Loyalty Marketing
Focus on Cause Related Loyalty Marketing would help in meeting Customer expectations Economic
Value
Global loyalty platform is great investment optimization opportunity which will help
…show more content…
©2015 Infosys Confidential 15
Amex Current Loyalty Landscape
International
Membership Rewards
• International membership Rewards uses STAR as platform and Caters to all Non-US markets- EMEA, JAPA,
LACC and GNS
• Access to events through MR
• Frequent traveller benefits (multiple carriers) • Access to multiple airline & hotel schemes • Perceived high value rewards
• Revenue Streams - Discount revenue and interest (AR) on incremental spend, Increase share of wallet, Fees for MR, Merchant funded bonuses
• Cost streams - Provision for points - out of discount revenue, major liability on balance sheet, Cost of running the program - Technology,
Marketing, Supplier management, finance, etc., High operating cost, moderate rewards cost
International Cobrand
Partnerships
• Customers - Frequent Travelers,
Loyal customers of the co-brand partner • Accelerator to existing loyalty
International MR scheme
• Revenue Streams - Same as Intl'
MR
• Cost Streams - Like cash back - monthly expense - no liability,
Lower operating costs (like cash back), Higher rewards cost per
DBB (> cash back), Revenue sharing with partner (Acquisition
& billings)
Corporate membership rewards • Allows the client to have
Captain Of Industry Dbq Analysis
925 Words | 4 Pages“Much of the blame heaped on the captains of industry in the late 19th century is unwarranted.” (Document F). The Gilded Age was a time where the U.S. economy grew very quickly and rapidly, due to the inventive minds and entrepreneurs of that time; but it has different perspectives of opinions in history today. This era led the U.S. to its state and place in the present world, thanks to its important contributors, (who are involved in the main debate of whether they were robber barons, unethical men who yearn for money, or captains of industry, leaders who add positive ideas and methods to benefit their country.) The industrial leaders of the Gilded Age are captains of industry, worthy of some gratitude and credit for how our society’s structure
Luke's Lobester Case Summary
278 Words | 2 PagesHoldem highlighted the fact that Foresquare makes the consumer loyalty experience virtual instead. He favors the digital wallet that rewards over the traditional loyalty
Internal Sunshine On The Spotless Analysis
268 Words | 2 PagesMemories sometimes place permanent scars and seem impossible to forget. Crow Lake and Internal Sunshine on the Spotless mind both share the common canadian theme, isolation. The protagonist Kate separated herself from her family and Crow lake because of the tragedies of her parents dying and Matt marrying Marie. She separated herself not only physically but, emotionally carrying this burden of guilt of all the events that had occurred in her life. She was unable to express her emotions and inevitably, scarred these memories into her mind and was never able to overcome them.
State Farm Commercial Analysis
847 Words | 4 PagesWhy State Farm was so successful in using humor: State Farm has been known as one of the best insurance companies in the United States for a while know. To keep ahead of the competition, State Farm has been creating unique, funny advertisements. Each humorous advertisement State Farm creates lures a different type of customer in based on many target audiences the company goes after. Four very well known commercials of State Farm are the use of Saturday Night Live “Coneheads” characters, the “Hoopers”, Jake from State Farm, and the newest one Jake from State Farm “Emoji” edition.
Activision Blizzard Case Study
1200 Words | 5 PagesActivision Blizzard is a leading video game developing and publishing company. Its games operate on gaming consoles, mobile devices and PCs and are sold through retail channels or digital downloads. 1.1.1/ History of the company Activision Blizzard was created in July 2008 from the merger of Activision and Vivendi Games (parent company of Blizzard). Activision (currently named “Activision Publishing”) was initially founded in 1979 by two former employees of Atari, David Crane and Alan Miller, and became the world’s first third-party developer and distributor of video games for gaming consoles.
Ulta Strengths And Weaknesses
655 Words | 3 PagesStrengths Ulta’s loyalty program plays as a major strength for the company. In its most recent 10K report, Ulta has “approximately 23 million active Ulta Beauty guests” on it’s Ultamate Rewards program that “represent more than 90% of our annual total net sales” (10K report). The loyalty program, along with Ulta’s Customer Relationship Management (CRM) system, creates a more personalized marketing strategy for the company. The loyalty and rewards program helps generate repeat business from customers.
Swot Analysis Of Cineplex
804 Words | 4 PagesThis loyalty program ensures that consumers will repeatedly return to Cineplex to use their SCENE card and receive the rewards. This concept allows consumers to have brand loyalty as they constantly only attend Cineplex to visit the theatre so they are able to use the points. Cineplex therefore implements brand loyalty by engaging their consumers through a loyalty program and providing them a reason to return back and to use the service one
No Comprendo Analysis
438 Words | 2 Pages“No Comprendo” (“I Don’t Understand”) is a newspaper article by Barbara Mujica, a professor of Spanish at Georgetown University in Washington, D.C. In this article, which was published in the New York Times, Mujica argues against bilingual education (teaching students in their native language as well as in English). No Comprendo Last spring, my niece phoned me in tears. She was graduating from high school and had to make a decision.
Walt Disney Executive Summary
1301 Words | 6 PagesEXECUTIVE SUMMARY This report presents an analysis of The Walt Disney Company. It is one of the global’s leading manufacturers and providers of entertainment. The company manages through its five business segments which includes parks and resorts, media networks, studio entertainment, consumer products and interactive. The Disney’s objective is to be one of the world 's leading manufactures and companies of entertainment and information, by using its portfolio of brands to differentiate its content, services and consumer products.
Pros And Cons For Membership Of Co. Opmart And AEON
250 Words | 1 PagesOn the one hand, based on the strategy of the company, each supermarket provides different benefits for its members. Both individuals and businesses can engage in the customer loyalty program of Co.op Mart and Emart as long as they are at least 18 years old. Because of having the online form, many people can register to become Emart’s members more conveniently. Memberships of Co.op Mart and Emart will anticipate some promotions through the supermarkets’ free brochures. There are some pros in being members of Co.op Mart and AEON such as: giving voucher when reaching enough required points, offering discounts in order to celebrate loyal members’ birthdays.
Marketing Segmentation Of Mercedes Benz
916 Words | 4 PagesThe market for Mercedes Benz will also be divided in terms of their loyalty status. Users of Mercedes Benz products will have a high loyalty status as it carries a brand image of an organization that offers it users the best products and services. Mercedes offers a Loyalty Program, for instance, “If you are a current U.S. Member of the MBCA and have been a Member for at least 12 consecutive months prior to purchasing or leasing a NEW Mercedes-Benz vehicle, you are considered a "Member in Good Standing" and automatically qualify for a $500 price discount.” (mbca,
Sisig Case Study
842 Words | 4 PagesThe owners of Sisig sought to be the pioneer Filipino food company by providing unique and memorable customer experience to its clientele. The two individuals, Evan Kidera and Gil Payumo, focused on delivering innovative products and benefitting from a growing customer base. Specifically, being one of the food truck inventors in San Francisco, Senor Sisig had an obligation to revolutionize the sector (Kidera et al., 6). In fact, the decision to operate a unique operational model enabled the company to expand its services from one food truck to current three under its fleet. Through the provision of quality products, Senor Sisig has maximized its returns and continues to be the leading food truck establishment in the Bay Area.
1.2 Explain How To Monitor And Maintain The Risk Analysis
607 Words | 3 PagesAngela Jones 1.1- Describe factors to take into account when planning the areas safely: When planning a safe area for children it is important that factors are considered in order to make it a healthy and safe environment for all children and young people. It is important that all planning is related to the needs of each individual child or young person. Having a safe environment is important because it lowers the risk of any children or young people as well as adults from getting injured. When in a work setting it is important to assess all risks of children’s safety to ensure that they get minimised so no incidents get caused.
The Digital Marketing Strategy: Starbucks And Digital Marketing Strategies
1667 Words | 7 PagesMost people today, own one at least one technological device which could be one of the access platforms that form online channels the company may apply for their digital marketing to achieve profitability and retention of customers. Chaffey and Ellis-Chadwick (2012) state that a digital marketing strategy is constantly needed to provide a sense of direction for an organization’s online marketing activities so that they integrate with its other marketing activities and support its overall business goals. According to Parise et al.
Tesco Malaysia Case Study
2066 Words | 9 PagesIn year 2003, Tesco launched Tesco own brand, Tesco Value. In 2004, Tesco Malaysia launched its own house brand, Tesco choice. In December 2006, Tesco also acquired Makro Cash & Carry in Malaysia, a local wholesaler which was rebranded to Tesco Extra and provides products for small local retailers. In 2007, Tesco launched customer loyalty card, ‘ClubCard’.
More about Infosys Internal Analysis
Captain Of Industry Dbq Analysis
925 Words | 4 PagesLuke's Lobester Case Summary
278 Words | 2 PagesInternal Sunshine On The Spotless Analysis
268 Words | 2 PagesState Farm Commercial Analysis
847 Words | 4 PagesActivision Blizzard Case Study
1200 Words | 5 PagesUlta Strengths And Weaknesses
655 Words | 3 PagesSwot Analysis Of Cineplex
804 Words | 4 PagesNo Comprendo Analysis
438 Words | 2 PagesWalt Disney Executive Summary
1301 Words | 6 PagesPros And Cons For Membership Of Co. Opmart And AEON
250 Words | 1 PagesMarketing Segmentation Of Mercedes Benz
916 Words | 4 PagesSisig Case Study
842 Words | 4 Pages1.2 Explain How To Monitor And Maintain The Risk Analysis
607 Words | 3 PagesThe Digital Marketing Strategy: Starbucks And Digital Marketing Strategies
1667 Words | 7 PagesTesco Malaysia Case Study
2066 Words | 9 Pages