How Xoxoday is Powering Human-Centered Rewards with AI

Every once in a while, we come across a story that quietly redefines the way we see the world. For Mary Macharia, that story unfolded not in a boardroom, but from the folds of her father’s old wallet.

What looked like a tattered SACCO card turned out to be a life lesson in loyalty, sacrifice, and the power of community finance. Now working at Xoxoday, the loyalty and rewards company across Africa’s BFSI sector, Mary tells her story in this candid piece.

Mary Macharia’s Journey Through the Heart of Loyalty

A while back, I was helping my dad organize some of his old documents when he handed me his well-worn wallet, the kind every Kenyan dad has had for decades.

As I flipped through it, I found an old SACCO membership card, edges torn, faded with time.

“Why are you still carrying this?” I asked, smiling.

He looked at me and said something I’ll never forget:

“This small card helped educate you. It reminds me where we started.”

He told me how saving consistently in his SACCO earned him more than just interest, it gave him #access to lower-interest loans, bonus dividends and small rewards that made a big difference. He even won a shopping voucher once at an AGM raffle.

He explained how, through consistent saving, referrals and being part of a member reward program, he got lower interest loans, exclusive member benefits and even dividend boosts all quietly earned through loyalty.

That was the first time I truly understood what loyalty looks like, not just as a program, but as a powerful connector between people and financial institutions.

Fast forward to today: I work in the loyalty & rewards space, helping BFSI brands across Africa harness the power of modern loyalty. And guess what? It’s not just cards anymore.

Now, we’re using Generative AI to unlock even deeper, more personalized connections.

1. AI-driven insights help us reward customers before they even ask
2. We predict behavior and recommend relevant financial products
3. We recognize and celebrate milestones — from baby steps to big wins
4. And we do it all at scale, with empathy not just automation.

At Xoxoday, we believe loyalty must evolve from “points and perks” to personalized value and trust powered by smart tech.

Because when people feel seen, understood and appreciated, they stay, they grow, they advocate.

Loyalty shouldn’t be #transactional. It should be #transformational, just like that old SACCO card in my dad’s wallet.

That’s the future of BFSI loyalty. And it starts now.

Let’s reimagine loyalty. Let’s make it human again, with the help of AI.

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