Loyalty Juggernaut and On Point Loyalty Launch fidivio, the Loyalty Industry's First Integrated Financial Planning, Analysis and IFRS-Compliant Accounting Platform

fidivio connects loyalty operations with enterprise finance to strengthen financial control and improve program economics

PALO ALTO, Calif., Nov. 4, 2026 /PRNewswire/ -- Loyalty Juggernaut, Inc., a global leader in enterprise loyalty technology, and On Point Loyalty, a leading consulting firm specializing in loyalty strategy and finance, today launched fidivio, a purpose-built SaaS platform for the financial management of loyalty programs. Jointly developed by the two companies, fidivio combines IFRS-compliant loyalty accounting, financial planning and analysis, and fidi, an AI-powered financial assistant.

The loyalty industry’s first unified platform for financial planning, analysis and accounting.

"Enterprises are asking loyalty to contribute more to growth, and that requires greater discipline in how they invest in and manage their programs," said Shyam Shah, CEO and Co-Founder of Loyalty Juggernaut. "With fidivio, we are extending our commitment to helping brands turn loyalty into an enterprise growth engine. Our ambition is to give finance and loyalty leaders the financial confidence to pursue growth opportunities while maintaining control over program economics."

"Loyalty programs have evolved into substantial financial businesses, yet their financial management often remains fragmented across systems and spreadsheets," said Evert de Boer, CEO of fidivio. "This limits executives' visibility into performance and their ability to assess the financial consequences of program changes. We built fidivio to address that gap, embedding specialist financial models and methodologies into everyday accounting and planning. fidi AI makes that expertise more accessible, helping teams understand the drivers behind financial outcomes, evaluate scenarios, and make more informed decisions."

fidivio combines Loyalty Juggernaut's enterprise technology expertise and experience powering loyalty programs for iconic global brands including Emirates, Liverpool, WestJet, Global Hotel Alliance, Shoppers Stop and Deutsche Telekom through its flagship GRAVTY® platform with On Point Loyalty's specialized expertise in loyalty economics, financial modeling and program valuation, drawing on experience advising more than 40 airlines worldwide.

The platform provides three connected capabilities:

• IFRS-compliant loyalty accounting: Automates deferred-revenue and program-liability calculations, with configurable accounting assumptions, financial statements and reconciliation outputs.
• Financial planning and analysis: Connects program performance with budgets and forecasts. Teams can model scenarios for issuance, redemption and breakage, evaluate financial sensitivities and identify the actions needed to achieve specific financial targets.
• fidi AI: Enables users to investigate trends and financial variances through natural-language questions, generate tailored reports and dashboards, and explore financial scenarios using authorized program data.

fidivio runs on AWS and comes pre-integrated with GRAVTY®, connecting loyalty operations directly with financial accounting, forecasting and scenario planning. This integration gives finance and loyalty teams a shared view of program activity and its financial impact. fidivio also supports integration with other loyalty management and enterprise finance systems, serving programs across industries and operating models, including in-house programs, profit centers and standalone loyalty businesses.

fidivio is already in production at Nexxia, a Mexico-based loyalty and data solutions company serving brands across Latin America, bringing the platform's capabilities into a live enterprise environment.

"As our loyalty business grows, we need accounting processes and financial controls that can grow with it," said Liliana Galeano Pardo, Chief Financial Officer of Nexxia. "fidivio helps us maintain a consistent view of deferred revenue and program liabilities, with reporting that supports reconciliation and financial oversight. It gives our team a stronger foundation for managing the obligations associated with our programs."

"Well-designed loyalty programs create lasting value for customers and businesses alike, combining meaningful customer engagement with strong financial performance," said Roberto Muñoz Guillen, Co-Founder and CEO of Nexxia. "At Nexxia, we are building world-class enterprise loyalty programs that demand the same level of sophistication in financial management. The implementation of fidivio strengthens our ability to understand the economic impact of our decisions and allows us to continue scaling with greater visibility, discipline, and confidence."

About fidivio

Jointly developed by Loyalty Juggernaut and On Point Loyalty, fidivio is an enterprise-grade, cloud-native platform serving finance, loyalty, and executive teams responsible for the financial performance of loyalty programs. Combining specialized financial expertise with purpose-built technology, fidivio enables enterprises to manage their loyalty programs as financial businesses with greater clarity and control over their financial performance. Learn more at www.fidivio.com.

About Loyalty Juggernaut

Headquartered in Palo Alto, California, Loyalty Juggernaut is a global leader in enterprise loyalty technology. Its flagship AI-native platform, GRAVTY®, powers over 80 programs across airlines, retail, hospitality, telecommunications and financial services. GRAVTY® helps brands turn loyalty into an enterprise growth engine through deeper customer engagement, expanded partner ecosystems and stronger program economics. The platform brings together agentic capabilities, U.S.-patented AI and ISO/IEC 42001-certified AI governance, enabling brands to individualize offers for millions of members within minutes and detect fraud as it happens. Loyalty Juggernaut was recognized as a Strong Performer in The Forrester Wave™: Loyalty Platforms, Q4 2025. Learn more at www.lji.io.

About On Point Loyalty

On Point Loyalty is a global advisory firm specializing in loyalty strategy, program economics, financial modeling and valuation. The firm helps organizations design, manage and optimize loyalty programs to maximize their contribution to enterprise value. It publishes the Top 100 Most Valuable Airline Loyalty Programs report, whose 2026 edition analyzes more than 170 airlines. Its experts have authored books on loyalty strategy and currency economics, with research published in Harvard Business Review. Learn more at www.onpointloyalty.com.

Media Contact: media@lji.io 

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Loyalty Juggernaut and On Point Loyalty Launch fidivio, the Loyalty Industry's First Integrated Financial Planning, Analysis and IFRS-Compliant Accounting Platform

Global businesses can collect, hold, convert and pay across currencies on Finmo's own licences. Finmo Treasury users can now move funds in real time from the same platform that manages their global cash position and forecast.

SINGAPORE, Nov. 4, 2026 /PRNewswire/ -- Finmo, the treasury operating system for global businesses, today announced the launch of the Finmo Business Account, a multi-currency account for small and medium-sized enterprises (SMEs) that operate across borders. Businesses receive local account details in their own name to collect funds in more than 45 currencies, hold more than 27 currencies and make payments to more than 195 countries and territories. Finmo provides every collection, conversion and payment directly, under its own licences and through its payments partner network.

The Business Account also extends Finmo Treasury. Treasury users already see their cash position and forecasts across every entity and bank. Now they can also move funds in multiple currencies in real time, from the same platform.

SMEs that transact internationally often hold accounts with several providers. They decide whether to convert, hold or pay with only part of the picture. Many keep larger idle balances than they need, or convert funds they later need back.

"Businesses have usually had to choose between a provider that moves their money and software that shows them where it is," said David Hanna, Co-Founder and CEO of Finmo. "Because Finmo holds the licences and partnerships to move money itself, the Business Account closes that gap. A company can see its position and act on it in one place, on infrastructure we operate."

What the Business Account offers SMEs

• Get paid like a local: local account details in the company's own name, so customers pay in their own currency.
• Convert on your terms: no forced conversion. Businesses convert only when they choose.
• See the cost first: fees and exchange rates are shown before every conversion and payment.
• Pay globally: bulk payouts, bill payments and scheduled transfers.
• Keep the books in sync: transactions synchronise with leading ERP and accounting platforms.
• Put surplus cash to work: money market funds.
• Built for teams: unlimited users, with approvals for the people who move money.

Licensed money movement, operated by Finmo

Finmo is the licensed provider behind the Business Account; the account doesn't run on another company's platform. Finmo holds 11 licences and regulatory permissions across eight markets, including a Major Payment Institution licence from the Monetary Authority of Singapore. Businesses move more than US$1 billion through Finmo every month.

A module within Finmo Treasury

For businesses that also use Finmo Treasury, the Business Account works seamlessly across the platform. Finmo Treasury consolidates balances across a company's entities and its accounts at other banks into a single cash position, provides a 13-week cash flow forecast, and monitors cash balances to proactively manage counterparty exposure, FX risk, and minimum balances. With the Business Account in the same platform, a finance team that spots idle cash, a funding gap or a currency it should convert can carry out the conversion or payment without leaving Finmo. MO AI, Finmo's built-in AI agent, is rapidly evolving to bring greater intelligence, strategy management, and execution continuity to users.

"Treasury platforms have long been good at showing companies their cash, but they have depended on banks to act on it," Hanna added. "We spent years securing licences across eight markets so Finmo could do both. With the Business Account, licensed money movement now sits inside a treasury platform, and that is central to where we are taking the company."

Availability

Global businesses can apply online for a Finmo Business Account. Singapore-incorporated companies can apply online through MyInfo Business using Corppass and Singpass.

To mark the launch, new customers who register here with the code FINMOBA26 can receive up to US $100 in cashback. Terms and conditions apply.

Finmo will demonstrate the Finmo Business Account and Finmo Treasury at Singapore FinTech Festival 2026, 18 to 20 November, at booth 3L19 in Hall 3.

About Finmo

Finmo is a global fintech company transforming how modern finance teams manage cash, payments and treasury operations.

Founded in Singapore in 2020, Finmo's next-generation treasury operating system connects financial data, intelligence and global money movement within a single platform, giving finance teams greater visibility and control over their cash, liquidity, payments and FX.

Finmo holds 11 licences and regulatory permissions across key markets including Singapore, Australia, Hong Kong SAR, the United Arab Emirates, the United Kingdom, New Zealand, Canada and the United States.

Finmo is backed by PayPal Ventures, Citi Ventures and Quona Capital and operates across key markets in Asia Pacific, Europe, the Middle East and North America.

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Finmo launches Business Account for cross-border SMEs, adding licensed multi-currency money movement to Finmo Treasury