Co-brand Integration Through MPower

MPower is a robust platform designed to enhance customer experiences by seamlessly integrating co-brand services into a unified ecosystem. Through MPower, organizations can leverage partnerships with leading brands and services to provide customers with a wide array of value-added features, personalized benefits, and an enhanced loyalty ecosystem.

Key third-party integrations facilitated by MPower include EazyDiner, Vistara, and Hyperface, each catering to specific user needs:

1. EazyDiner Integration:
   Co-brand credit card in partnership with EazyDiner – a Visa Platinum variant of the existing EazyDiner Credit Card (which is on Visa Signature). Customers who have opted for this credit card will enjoy exclusive benefits on the EazyDiner app. For this, there is certain exchange of information which is a requirement between Bank and EazyDiner to ensure seamless customer experience.

MPower Application

1. Data will be fetched from DWH on daily basis
2. System will apply checks and validation

• MPower will share the data with EazyDiner

1. Vistara Integration:
   The Partner Vistara who is using co-brand credit card reward points information, has its own file format. The file is in text file format. The structure of the file is position based. While transferring customer’s reward points details from IndusInd to Vistara, it must go in predefined structure or predefined file format. To generate this file on every billing cycle manually is difficult. While generating manually there are chances where we can skip the records or we delay the process or structural mismatch because query used to generate the data was revised. There are N number of reasons where it can fail. To avoid such mistakes and provide full proof solution Bank has proposed to design the application.

MPower Application

MPower will have submodule for Vistara reward points activities. It will have following provisions.

1. Application will facilitate to view the process logs which will help to check file ACCRUAL file generation and Handback file upload details.
2. Application will provide the facility to check account number wise reward point details available in “Vistara_ACCRAL_Data”

• MIS report where Billing cycle wise summary can be viewed along with its Success and failure details

3. Qatar/British Airways:

The new partnership with Qatar Airways and British Airways primarily to issue co-brand credit cards to the eligible customers. Hence, MPower in an application to manage the different workflows, right from data transfer between JOCATA and QR/BA for Membership IDs (FFP#) generation till statement generation and email send.

MPower application

1. Handles file exchange.
2. Status update on file exchange at each stage.

• Data check with DWH etc.

1. Partner_Enrolment file generation while card onboarding process.
2. Calling API of QR/BA through Middleware/Cloudpak.
3. Able to calculate Forex Fees reversal, Bonus, Joining, Milestone, Renewal point and generate JLMT/GTTD files.

• Enrolment file & reversal feed file generation to upgrade card.
• Nonmon, Memo & GTTD file generation to downgrade card.

1. Statement PDF generation with revised template showcasing individual transactions for bonus reward points.

 

Benefits of MPower’s Co-brand Integrations

• Enhanced Customer Engagement: By integrating widely used platforms, MPower keeps customers engaged with value-added services.
• Streamlined User Experience: All services are accessible via a single platform, reducing friction and reduces errors and manual interventions.
• Personalized Offerings: Data-driven insights enable tailored rewards, offers, etc.
• Business Growth: Partners gain access to a larger customer base, fostering mutual growth.
• Time to marker is faster compared to core vender.

These integrations represent a step towards creating a comprehensive lifestyle ecosystem that aligns with modern customer expectations.