Financial services

Regardless of where your business lies within the banking and fintech ecosystem, integrating with Talon.One offers you full flexibility.

Businesses offering diverse financial products and services can build personalized loyalty and promotional campaigns to deepen their customer relationships and increase engagement.

Talon.One is ISO 27001:2022 certified, GDPR compliant, and holds a SOC 2 Type II attestation. It offers secure infrastructure and robust controls for fraud handling.

Use cases

Cashback

Loyalty program (recommended solution)

Use a loyalty program to reward your customers for specific banking activities, such as purchases made with a specific bank card. For each eligible purchase, cardholders are awarded loyalty points that represent cashback value. A webhook sends this information to your financial services system, which then credits the cashback to your customer's account.

Custom effects

Create a Spend X, get Y back campaign to reward a customer with a percentage of their spending balance as cashback. Use custom effects to calculate the customer's balance and to trigger cashback rewards that are sent to their wallet.

Gamification

Achievements - Award cryptocurrency for early activation

Increase activation rates by rewarding customers for early activation. For example, if your business is a cryptocurrency platform, you can set up a challenge that incentivizes customers to complete identity verification, update their profile, and complete their first crypto purchase. Use achievements to track when the customer completes each of these actions and reward them with €10 in crypto.

Achievements - Award loyalty points for engagement

Reward customers for early platform engagement by creating an achievements campaign that awards loyalty points based on an action. For example, if a customer explores a new section of your banking app, they earn five points. In addition, after they've completed an initial transaction, they get 10 points for each of their first 10 transactions.

Referrals

Set up a referral program that rewards an advocate with cashback based on the number of successful activations. This can also be integrated with loyalty tiers, so that the higher the tier the advocate is in, the more cashback they receive per referral. You can also give the friend cashback equal to half of what the advocate received.

Gift card

Create a promotional campaign that generates a a gift card, for example, when a customer in a gold loyalty tier in a digital payment platform spends more than $100. As part of this promotional campaign, you can also set a limit for the number of gift cards per customer, and a schedule for each gift card so that it expires 30 days after it's awarded.

API endpoints

The average API response time is under 60ms for most Integration API requests, making Talon.One a highly reliable solution.

The endpoints you use depend on your use case, but these are generally the most relevant endpoints for financial service integrations:

Endpoint	Description
Update customer session	Update the customer session with the latest data when the customer completes any kind of financial transaction.
Update customer profile	Set custom attributes, for example, transaction type or account type, for a customer profile. You can also use this endpoint to modify the audience in which the customer is a member.
Track event	Trigger an event when a customer performs a specific action, for example, when they share a link to a product.
List customer data	Display user rewards or integrate with a reward wallet where users can view available coupons, points, or giveaways.
List customer's loyalty transactions	Display user transaction logs for loyalty programs.

Concepts

Here's an explanation of some specific Talon.One concepts:

Concept	Description
Custom attribute	Represents detailed information about a given entity, for example a customer profile. Creating your own custom attributes enables you to tailor your rules to meet specific business or industry requirements.
Custom effect	Allows you communicate any data from Talon.One to your integration layer in the form of a structured effect. Creating your own custom effects are useful when the core effects offered by Talon.One don't return the exact data you require, and they offer flexibility for your campaigns.
Customer session	Represents any kind of customer activity, for example, when a customer completes a financial transaction using a coupon.
Event	Represents a single occurrence of a customer action, for example, when a customer completes identity verification and receives a reward.