At Flourish Fi, we work tirelessly on our mission to redefine how people interact with money. That’s why we continue to enhance our platform across user experience, gamification mechanics, reward models, and ease of implementation. By combining behavioral science, gamification, and data intelligence, we transform everyday banking into an experience that is not only attractive and rewarding, but also drives long-term behavior change.

The Core Modules

From the start, our modular structure has been designed to give financial institutions flexibility. Each module can be implemented on its own or combined, always tailored to the institution’s goals, customer segments, and regulatory environment. All are powered by our central Intelligence Layer, which delivers real-time engagement data, segmentation, and agile configuration.

  • Earn & Play – gamified mechanics like wheel spins and scratch cards. Users earn points by completing missions and redeem them for the chance to play, blending fun with financial behavior.
  • Campaigns – personalized, time-bound missions that reward behaviors such as card activation, bill payments, or savings deposits. Completion guarantees a prize, ensuring motivation and consistency.
  • Level System – progressive loyalty tiers (Bronze → Silver → Gold) that deepen engagement and encourage multi-product adoption. Each tier unlocks new rewards, benefits, and recognition.

We support both monetary rewards (cashback, gift cards, credit limit expansion) and non-monetary rewards (badges, recognition, and exclusive experiences), so institutions can adapt incentives to their strategy and context.

What Behaviors Can Be Incentivized?

With these modules, Flourish Fi enables financial institutions to drive adoption, loyalty, and healthier habits by motivating customers to:

  • Increase card activity with activation, first purchases, or ongoing spend.
  • Adopt digital channels via logins, online bill pay, or QR/Pix payments.
  • Improve loan repayment behavior with on-time payments and autopay.
    Build financial knowledge through trivia-based learning.
  • Reach savings milestones with consistent deposits and balance growth.
  • Expand their community through referrals.

Proven Results

Institutions across the Americas have already seen measurable impact with Flourish Fi:

  • 48% increase in bill payment transactions
  • 32% growth in deposits
  • 36% improvement in on-time loan repayments
  • 2x more clients paying on time
  • 6x increase in digital transactions YoY
  • 11.5% increase in customers making 5+ card transactions

Beyond these numbers, our clients report higher retention, stronger cross-sell opportunities, and measurable lifts in engagement such as app logins and recurring activity.

Why It Matters

In Latin America and beyond, access alone is not enough. True financial inclusion depends on engagement. Millions of people open accounts or download apps, but many remain inactive. By tapping into the psychology of motivation, Flourish Fi helps institutions close this gap.

The result: everyday banking becomes a source of value, motivation, and progress for customers, while financial institutions benefit from loyalty, profitability, and deeper relationships.

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