CASE STUDY

Modernising Loyalty and Cashback
with Event-Driven Services

Software Development
BFSI

Project Highlights

Scope

  • Built and enhanced loyalty and cashback capabilities across the digital banking journey, from eligibility and enrolment to reward calculation and fulfilment.
  • Integrated event-driven processing to capture transactions, apply rules, and post rewards reliably at scale.
  • Delivered customer-facing experiences for offers, progress, and rewards, aligned with the bank’s UX standards and release cadence.

Challenges Overcome

Ensured accurate reward calculation under high transaction volumes and complex campaign rules.

Maintained resilience and low-latency performance within an event-driven microservices landscape.

Balanced rapid feature delivery with stability, testability, and safe rollout practices for customer-impacting changes.

Business Impact

The delivery is expected to improve reward processing speed, reduce operational effort, and increase customer uptake of loyalty benefits.

Time-to-market for new cashback offers

Time to credit rewards

Reward-related support tickets

Manual effort for campaign changes

Cashback feature adoption

Incidents in loyalty/cashback services

The Client

A leading digital bank delivering a cloud-native, all-in-one virtual banking experience. It is recognised for innovation and modern engineering practices in financial services, serving a growing customer base that expects seamless, always-available journeys. With a strong focus on scalability, reliability, and customer engagement, the organisation continuously evolves its platform to meet rising demand and introduce new capabilities safely and at speed.

Business professionals in meeting with charts

The Problem

  • The bank needed to roll out loyalty and cashback functionality without compromising performance or reliability.
  • Reward rules had to remain accurate and auditable while adapting quickly to changing campaign needs.
  • Customer journeys required clear, real-time visibility into eligibility, reward status, and earned benefits.
  • The delivery pipeline had to support frequent releases while minimising risk to core banking flows.

The Solution

BGTS implemented and enhanced loyalty and cashback services using an event-driven approach, ensuring reward logic was modular, testable, and scalable. We integrated transaction events into backend services to evaluate eligibility, calculate rewards, and trigger fulfilment workflows, while the frontend experience surfaced offers and reward progress clearly for customers. We also strengthened operational readiness with release controls, monitoring, and automation to keep customer-impacting changes safe and predictable.

 

 

Team & Technology

Tech Stack Utilised

Event Streaming

  • Kafka (event-driven architecture)

Payments Security

  • 3DS implementation

Frontend

  • React

Backend

  • Kotlin
  • Spring Boot

Team Composition

5 backend developers

2 Frontend developers

The Outcome

Faster, safer loyalty delivery

Campaign and cashback improvements shipped in shorter cycles, without slowing down core product delivery.

Scalable reward processing

The services handled growth in transactions and campaign complexity while maintaining stable performance.

More consistent rewards experience

Customers received clearer visibility of offers and rewards, with fewer edge-case failures and disputes.

Operational confidence

Improved monitoring and release discipline reduced incident frequency and accelerated issue resolution when anomalies occurred.