Oiyaa Technologies

Beyond Loyalty: Real-Time Value at Every Touchpoint

Smart, scalable, and designed for global ecosystems.

Enterprise-Grade Loyalty Infrastructure

Oiyaa Technologies delivers a complete ecosystem of interconnected loyalty solutions that work together seamlessly to create real-time value at every transaction touchpoint. Our modular architecture allows clients to implement specific components or deploy the entire platform based on their unique requirement

Enterprise-Grade Engagement Infrastructure

Oiyaa Technologies is redefining how businesses deliver value beyond points, beyond loyalty.

We offer a complete, modular ecosystem of intelligent engagement tools, ready to embed into any digital journey whether you're a fintech, telco, platform, or payment provider.

From rewards and subscriptions to ESG, wellness, and SME growth, our AI-powered, API-first architecture lets you launch fast, customise deeply, and scale globally without legacy constraints.

Plug in, personalise, and power up real-time value at every interaction.

Oiyaa Technologies: Real-Time Engagement for Customer-Facing Platforms

“Oiyaa Technologies offers a comprehensive suite of loyalty and engagement solutions designed for acquirers, banks, terminal providers, and large retailers. Our platform enables real-time loyalty processing at the point of transaction, creating seamless experiences for both merchants and their customers.”

Oiyaa is the AI-powered, API-first loyalty and engagement engine built for scale delivering instant value at every transaction and interaction. From utilities and telecoms to acquirers, banks, and large retailers, our platform powers real-time rewards, behavioural nudges, and ecosystem-wide incentives embedded directly into existing customer journeys. We do the heavy lifting, from payments to prevention, ESG to SME growth giving you plug-and-play infrastructure with full control, zero friction, and enterprise-grade performance.

Oiyaa isn’t just loyalty.
It’s real-time, revenue-driving engagement made simple.

The Oiyaa Solutions Ecosystem

At the heart of our offering is a centralised loyalty infrastructure that connects four key components:

Oiyaa is built for platforms that touch millions, from banks and insurers to telcos, utilities, acquirers, and large retailers.
Our AI-powered, API-first infrastructure enables real-time, intelligent engagement across payment journeys, partner ecosystems, and behavioural touchpoints with zero friction.
Whether you’re looking to grow adoption of alternative payment methods, activate ESG or wellness incentives, or run a branded coalition across your merchant base Oiyaa delivers.

Real-Time Engagement Engine

Trigger instant, personalised incentives at the point of transaction or behaviour online, in-store, in-app, or via POS. Support wellness, ESG, card adoption, retention, or policyholder behaviour no apps or claims needed.

Coalition Loyalty for Merchant Networks

Enable your SME or partner base to join a shared rewards program funded by merchants, branded by you. Perfect for utilities, insurers, or banks offering bundled value to their ecosystem without lifting the burden of loyalty infrastructure.

Alternative Payment & Wallet Incentives

Drive uptake of preferred payment methods from bank rails and BNPL to specific card schemes by embedding rewards into the flow. Flexible, token-ready, and instantly configurable for campaigns and partners.

Intelligence & Behavioural Data Hub

Access real-time insights across your ecosystem from usage and spend to location and behaviour. Segment, personalise, and optimise loyalty journeys across millions instantly.

Embedded Loyalty Platform

Oiyaa powers intelligent, real-time loyalty and incentive solutions embedded directly into the digital and payment infrastructure of leading enterprises across banking, insurance, telecoms, utilities, and large-scale retail.

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Real-Time loyalty & instant Discounts
Transform Every Transaction Into a Loyalty Moment

Unlike traditional loyalty programs that defer value, Oiyaa delivers instant rewards at the moment of action whether it's a payment, policy renewal, energy-saving milestone, retail purchase, or app interaction. This real-time engagement turns every transaction across banking, insurance, telecoms, utilities, and retail into a measurable loyalty moment driving deeper connection, behaviour change, and brand stickiness.

Instant Gratification, Maximum Impact

At Oiyaa Technologies, we've transformed loyalty from a delayed reward system into a real-time engagement engine.

Our platform processes every interaction in milliseconds applying personalised rewards, discounts, or incentives based on predefined business rules, customer behaviour, or payment type.

Whether online, in-store, or in-app, Oiyaa delivers instant value at the moment it matters driving deeper engagement, increased satisfaction, and long-term loyalty.

EXPLORE OUR SOLUTIONS

Beyond Loyalty: Real-Time Value at Every Touchpoint

Enterprise-Grade Loyalty Infrastructure