Fintechs, neobanks, and digital wallets are creating billion-dollar loyalty ecosystems - and they’re powered by gift cards.
For merchants, this isn’t just another marketing tactic. It’s a new revenue channel hiding in plain sight.
According to recent data, 77% of banking customers expect loyalty rewards, but only 45% are satisfied with what they get. That means millions of active, high-spending users are waiting for better options, and your brand could be the one they discover next.
Embedding your gift cards into banking, fintech, and neobank reward programs puts your brand directly inside the everyday financial journeys of these users - where they check balances, earn cashback, and redeem rewards.
It’s how merchants are unlocking new customer acquisition, repeat spend, and a steady stream of B2B revenue — all with minimal effort when they partner with Runa.
Financial platforms have redefined rewards. For them, gift cards aren’t seasonal bonuses, they’re infrastructure that drives engagement, loyalty, and user growth.
Here’s what that looks like in practice, and how your brand benefits.
Fintech apps compete for user attention daily. Neobanks reward users for actions like sign-ups, referrals, and account connections using gift cards.
By integrating your brand into these reward moments, you’re placed in front of millions of financially active, digital-first consumers - with zero ad spend.
Buy Now, Pay Later platforms such as Afterpay offer gift cards to users who pay on time.
Each reward moment becomes a new touchpoint for your brand, turning financial discipline into brand engagement and driving incremental revenue from repeat, high-trust consumers.
Wallets like Revolut and PayPal are curating gift card catalogs to attract and retain users.
When your cards appear here, your brand benefits from built-in visibility and guaranteed future spend - effectively acquiring customers through platforms that have already earned their trust.
Traditional banks and spending apps alike are elevating their user experience by launching branded “malls” that let users spend loyalty points and rewards.
Through Runa Shop, your gift cards can be featured in these ecosystems, creating new sales channels within the world’s most trusted financial brands.
As part of the Runa Network which spans businesses and consumers in 190+ countries, merchants can scale rewards distribution and tap into international demand.
Together, these use cases create a single, powerful truth:
Gift cards are no longer static or seasonal. They’re the connective tissue between fintech platforms and consumer spending - and the merchants inside these ecosystems are already earning from it.
Here’s why embedding your gift cards into fintech and banking rewards programs is one of the most profitable moves you can make:
Through Runa, you can instantly distribute your gift cards across the fintech and banking partners already using our infrastructure for payouts, rewards, and incentives - without managing dozens of separate integrations.
The financial services industry is redefining loyalty - and gift cards are at the heart of it.
With the Runa Platform, merchants can embed their cards across leading neobanks, BNPL platforms, wallets, and banks, reaching millions of daily users.
When your gift cards live inside the apps people check every day, you’re not just meeting consumer demand - you’re shaping it.
Ready to capture this opportunity? Speak to an expert.