We Build Loyalty That Sticks

We design and build custom loyalty programs (points engines, tiers, rewards and integrations) so retaining customers stops depending on generic, one-size-fits-all platforms.

Does Any of This Sound Familiar?

If your business is living with any of these pain points, a custom-built loyalty program is likely part of the fix.

Customers keep drifting to competitors

Without a real reason to stay, price becomes the only variable, and there's always someone willing to undercut it.

A generic points plugin doesn't move the needle

Your customers are already juggling five other loyalty programs. One more that looks just like the rest won't create real differentiation or engagement.

Customer data is scattered everywhere

CRM, POS, e-commerce, support: each system sees a slice of the customer and nobody sees the whole picture, so real personalization stays out of reach.

Your off-the-shelf platform can't keep up

Tiers, custom earn rules, partner redemptions, gamification: the moment you step outside the standard use case, the SaaS platform runs out of road.

About Us

We're Creative Coefficient
A product design and
development studio

Global presence

We design and build custom loyalty programs: points engines, tiers, rewards and integrations shaped around your business model, your data and your customers, not a vendor's generic template.

Our clients

Brands that trust us

Cannondale
Sports Illustrated
AXA
Schneider Electric
Coca-Cola
Ford
Experian
EY
Philips
Diageo
NEC
SAP
Cannondale
Sports Illustrated
AXA
Schneider Electric
Coca-Cola
Ford
Experian
EY
Philips
Diageo
NEC
SAP
Smiles
Personal
SanCor Salud
Unilever
Itaú
Mapfre
Zurich
Dove
Maybelline
ICBC
Smiles
Personal
SanCor Salud
Unilever
Itaú
Mapfre
Zurich
Dove
Maybelline
ICBC

Explore our Portfolio

Real case studies of the custom loyalty programs we've built for our clients.

01

Insurance benefits program

Club Zurich

Real benefits, with no points to earn

Recently launched for Zurich Argentina, Club Zurich is a free benefits ecosystem personalized to each customer's contracted policies, organized into three territories (Protection, Wellbeing and Entertainment) with monthly renewal and no points to accumulate.

700k+policyholders reached★
10+ partner brands★

Key results:

A paradigm shift for the insurance industry

It shifts the insurance conversation toward the optimistic side of life, instead of focusing only on the claim.

Automatic activation, zero friction

It activates automatically from Zurich's self-management platform: no cost, no manual sign-up and no extra app to download.

Main features

  1. Policy-based benefits: the more insurance products a customer holds (auto, home, life), the more benefits unlock.
  2. Three territories: Protection, Wellbeing and Entertainment organize the catalog around each customer's moment.
  3. Partner network: vouchers with real economic value at brands like Carrefour, Frávega, PedidosYa, Cinemark Hoyts and PlayStation.
02

Telecom loyalty program

Club Personal

Argentina's largest loyalty program

Built for Personal and Flow (Telecom Argentina), Club Personal gives millions of customers exclusive discounts and weekly surprise gifts across hundreds of brands, with benefit tiers that scale based on contracted services.

10M+Android downloads★
200+ partner brands★

Key results:

Argentina's #1 loyalty program

With 10M+ downloads on Android and a similar volume on iOS, it became the country's largest benefits program by member count.

Weekly rewards that build habit

Surprise gifts and discounts refreshed every week keep users coming back to the app on a recurring basis.

Main features

  1. Discounts: exclusive offers across supermarkets, cinemas, theaters, restaurants, shows and travel.
  2. Surprise gifts: new benefits every week, with the number granted determined by the user's reward tier.
  3. Service-based tiers: the more Personal/Flow lines and services a customer has, the more benefits and gifts unlock.
Club Personal: pantalla principal de la app Club Personal: beneficios exclusivos para clientes de Personal Flow Club Personal: descuentos en más de 200 marcas Club Personal: regalos sorpresa
03

Multi-client redemption platform

Loyalty redemption e-commerce

One redemption engine, a dozen leading brands

We design and build custom loyalty e-commerce platforms for banks and large companies across the region: users earn points by being customers, contracting products or spending, and redeem them for a catalog of products and experiences inside each brand's own online store.

Banco Galicia
Bancolombia
Personal
Scotiabank
Banco Nacional de Costa Rica
Banco Credicoop
ICBC
Banco Supervielle
Smiles
2,000+ merchants★
<90 days to launch★

Key results:

One product, many brands

The same redemption engine has been adapted for banks and companies in Argentina, Colombia, Costa Rica and Brazil, each with its own catalog, earning rules and brand identity.

Integrated into the client's real business

Points are generated from core banking and customer management system data, not a separate spreadsheet.

Main features

  1. Configurable catalog: products, brands and stock manageable by each client without a new development cycle.
  2. Flexible points engine: earning rules based on spend, contracted products or customer tenure.
  3. Core integration: direct connection to banking and CRM systems to credit and redeem points in real time.
ICBC Mall: tienda de canje de puntos Tu360Compras: tienda de canje de Bancolombia Tienda Galicia: canje de puntos SuperMovilidad: marketplace de autos con beneficios BNShop: tienda de canje del Banco Nacional de Costa Rica
04

Financial wellness platform

MiDataCredito

Benefits and offers tailored to your credit profile

Built for DataCrédito Experian Colombia, MiDataCredito gives over a million users free access to their credit history and rewards them with personalized financial offers and exclusive benefits based on their profile, instead of a one-size-fits-all catalog.

2M+downloads★
4.8 stars2.1K ratings★

Key results:

Benefits driven by profile, not a generic tier list

Every credit, card or insurance offer a user sees is matched to their own credit profile, with exclusive benefits flagged right inside the app.

From debt to negotiation, in a few taps

Users see their overdue obligations and negotiate discounts directly with partner institutions from within the same app.

Main features

  1. Credit score: unlimited, free access, with a simulator that projects how the score changes based on payment behavior.
  2. Personalized offers: credit, cards and insurance from partners matched to the user's profile, including premium anti-fraud protection.
  3. EVA, AI assistant: answers financial questions anytime, right inside the app.
MiDataCredito: más de 1 millón de descargas MiDataCredito: protección premium antifraude MiDataCredito: asistente virtual EVA con IA MiDataCredito: ofertas de crédito a tu medida MiDataCredito: consulta tu historial crediticio MiDataCredito: negociá tus deudas con descuento MiDataCredito: simulador de puntaje de crédito MiDataCredito: beneficios exclusivos

05 · Gamification & community

Prode Tribu

A different angle on loyalty: competition instead of discounts. Built with Dexter and Moov for the 2026 World Cup, Prode Tribu lets fans submit predictions, climb a live leaderboard and compete inside private groups, with 8,600+ registered users, 240K predictions submitted and a 56% accuracy rate.

Fidela

06 · In-house concept: token-based loyalty

Fidela

An in-house concept exploring loyalty through blockchain: customers earn crypto tokens for every purchase and every valuable action (reviews, referrals, completed surveys), then redeem them for exclusive coupons and rewards. Token ownership sits with the customer, giving businesses a transparent, low-cost way to attract new customers, learn about them and keep them coming back.

Built to Your Rules, Ready to Scale

Our proven methodology combines full ownership of your data with modern engineering, delivering a loyalty program that adapts to your business instead of forcing you to adapt to it.

Your data, your ownership

No dependency on a third-party vendor: your members' data and activity history live on infrastructure you control.

Deep integration

Connects to your POS, CRM, e-commerce and ERP so the program reacts to real customer activity, not manually imported data.

Flexible program logic

Tiers, partner redemptions, gamification, per-product or per-channel earn rules: whatever your program needs, without the limits of a generic SaaS.

Scalable architecture

From a first pilot with a few hundred members to millions of transactions, without rebuilding the system every time you grow.

AI-powered
Smarter Loyalty

We integrate AI and machine learning models so every reward lands at the right moment. From offer personalization to predictive churn alerts, our solutions help your teams retain more with less manual effort.

Hyper-personalized rewards
Predictive churn alerts
Smart segmentation & next-best-action
Conversational onboarding & support

Ready to talk about your loyalty program?

Let's build a program your customers actually want to use.

Book a meeting