In the hyper-competitive landscape of fintech—where every second app promises disruptive technology and life-changing rewards—a palpable sense of fatigue has set in among consumers. We are swimming in a digital currency of ‘coins,’ ‘points,’ and ‘gems’ that often amount to nothing more than digital clutter, redeemable only for heavily restricted discounts or products no one truly wants. The modern consumer is savvy; they see through the thinly veiled attempts to gamify loyalty...



