Build referral and retention programs across Africa & Middle East with approvals, spend caps, audit trails and policy controls. API-first or dashboard.
if (kyc.verified && account.opened)require_approval: value `>` 100Local payment methods, mobile money integration, and vendor relationships across 10+ African and Middle Eastern markets
Nigeria, Kenya, South Africa, Ghana, Egypt, UAE, Saudi Arabia and growing. Local vendors, local currency, local delivery.
M-Pesa, MTN Mobile Money, Airtel Money and major payment rails integrated. Works where your customers bank.
Built-in approval workflows, spend limits, purpose tagging and complete audit trails. Export for finance and compliance teams.
Proven workflows for banks, fintechs, insurers and wealth managers across Africa
When someone refers a new customer who opens an account
Thank customers who refer friends and family. Only send rewards after the new customer completes KYC and opens their account. Set spending limits and get complete audit trails for compliance.
uc-referral-kycWhen a new customer activates their debit/credit card
Welcome new cardholders with a small gift when they activate. A $25-50 choice card encourages them to start using your services and builds early loyalty.
uc-card-activationWhen customers upgrade to premium or gold tier
Celebrate when customers move to higher account tiers. Send a premium spa experience or curated gift box. Require manager approval for gifts over $150.
uc-premium-tierOn the 1-year, 3-year, 5-year anniversary of account opening
Show appreciation to long-term customers on their account anniversaries. Send tiered gifts based on account value - bigger gifts for VIP wealth management clients.
uc-wealth-anniversaryWhen customers add a second product (loan, investment, insurance)
Thank customers when they add another product to their relationship with you. Small rewards ($50-100) with strict budget controls and clear purpose tagging for finance teams.
uc-crosssellAfter successfully resolving an insurance claim
Turn a stressful claims experience into a positive one. Send a thoughtful gift after claim resolution to rebuild trust and show you care about the customer experience.
uc-insurance-claimMonthly or quarterly sales competitions for branch teams
Run motivating sales contests for branch teams across Nigeria, Kenya, South Africa. Automate reward distribution to winners with clear rules and consolidated reporting for finance.
uc-branch-contestWhen fraud/risk teams prevent major losses
Recognize your fraud and risk teams when they catch significant threats or prevent losses. Budget-controlled rewards that show appreciation for behind-the-scenes work.
uc-fraud-teamWhen support teams consistently exceed SLA targets
Reward customer service and operations teams for hitting quality and speed targets. Set up automated monthly or quarterly recognition programs that scale across locations.
uc-ops-milestoneAPI for developers building platforms. Dashboard for teams who need gifting today.
RESTful API with webhooks, sandbox environment, and complete documentation. Integrate gifting into your core banking platform, mobile app, or CRM.
No-code dashboard for marketing and operations teams. Upload CSV, set approval rules, track delivery. Start sending gifts in 5 minutes.
Join African financial institutions using RibiRewards for referral programs, retention campaigns and employee recognition.
Questions? Email hello@ribirewards.com or schedule a 15-min technical walkthrough