Grace
AI Rewards Management Agent
A new reward takes a quarter. The market moves in a week. Grace helps your team design, model, and launch rewards for checking, savings, digital adoption, and everyday primacy, moving from idea to review ready in hours.
Where Rewards Fall Short Today
Rewards stop at the card. The relationship doesn't.
Most banking rewards are bolted to a single product, a credit card, or a one-time account opening bonus. But the customers worth keeping hold checking, savings, a loan, a card, and a growing digital relationship. Nearly three quarters of banking customers keep at least one product with a competing institution, even those who consider themselves loyal. When a program recognizes only one product, your multi product, primary bank customer is treated exactly like a rate shopper who opened one account for the promo. The relationship you most want to grow is the one your program can't see.
A new reward takes a quarter. The market moves in a week.
Standing up or changing a reward means drafting rules, modeling economics, clearing compliance, and collecting sign offs across departments, each step waiting in a queue. By the time a seasonal offer or deposit growth campaign is live, the moment has often passed. Programs stay frozen in the configuration they launched with, while competitors and fintechs ship in days.
Points pile up, members disengage, and the paper keeps printing.
Customers accumulate balances for months before anything feels worth redeeming, and most institutions still communicate through a quarterly paper statement, expensive to print, easy to ignore. Low awareness drives low redemption, and low redemption drives low perceived value. Every printed statement adds cost without adding engagement.
Executives want outcomes the program can't deliver.
The board's priorities, core deposit growth, digital adoption, becoming the customer's primary financial institution, are relationship outcomes. A rewards program tied to card spend and signup bonuses simply isn't built to move them. Customers who feel genuinely valued hold more products and give more of their wallet to their primary institution, but a single product program has no way to recognize or reward that.
What Grace does
Grace works alongside your customer success and marketing teams across the full life of a reward: design, financial modeling, approval, launch, and day to day operation. Your team sets the strategy and signs off on what matters, Grace does the production work and runs the program.
Designs Rewards for the Whole Relationship
Grace helps your team define rewards beyond the card, including deposit and direct deposit incentives, balance growth, digital adoption, paperless nudges, product deepening, referral offers, and primacy benefits. One time, time bound, or ongoing, structured to move outcomes executives really care about.
Models the Financials in Draft
Every reward is built and run in draft mode, showing projected cost, liability, and impact before any customer is enrolled. Model the economics, adjust the parameters, and approve only when the numbers work. No live P&L experiments.
Applies Rewards as Customers Qualify
Grace learns each customer's real activity, including balances, transactions, product mix, and digital behavior, and applies earned rewards the moment eligibility is met. No manual enrollment, missed qualifications, or batch cycle delays.
Launches and Changes Rewards in Hours, Not Quarters
Once approved, rewards go live in your existing rewards platform: earning rules, thresholds, tiers, eligible transactions, expiry. Routine changes need no IT project. Outside pre-approved parameters, changes are documented and routed for signoff.
Personalizes Digital Communications
Grace sends balance, eligibility, expiry, and redemption messages triggered by each customer's actual status through digital channels, replacing the quarterly print with timely, relevant, lower cost engagement.
Gives Customers Their Reward History on Demand
Grace maintains each customer's complete reward history, earned, applied, redeemed, expired, surfaced in online and mobile banking so customers see what the relationship has earned them.
Monitors Performance and Liability in Real Time
Redemption, accumulation, engagement, campaign ROI, and outstanding point liability are tracked continuously, with underperformance flagged against your thresholds and optimization opportunities surfaced for review.
Resolves Reward Disputes
When a customer reports a missing reward, incorrect tier, or redemption issue, Grace checks records against rules and resolves standard cases automatically. Anything needing judgment is routed with a full summary attached.
Keeps the Audit Trail Examiners Expect
Every reward change, campaign, communication, and dispute resolution is logged with timestamps, rule references, and approval records, the documented trail your compliance team needs for regulatory examination.
Runs Inside Your Existing Systems
Grace connects to your core, rewards engine, and digital channels through API or supported integration methods. One time setup, no standing IT dependency for routine operations.
Your Team Stays In Control
Customer success and compliance teams can define the following:
"Customer PII is never sent to public, third party LLMs; your data stays within your governed environment, under your controls. Rewards are reviewed against criteria your team defines, in plain language, not code. No reward goes live without required signoff, and every action is logged for full review."
Measured impact
Rewards that reach beyond the card - into deposits, digital adoption, and primacy
Higher redemption and perceived value from timely, personalized digital communications
Lower point liability from proactive expiry and redemption management
Reduced print and mailing cost as paper statements move to digital
Customer-facing reward history that reinforces value at every login
Standard reward disputes resolved automatically
A complete, examiner-ready audit trail maintained automatically
Customer success and marketing time redirected from administration to relationship strategy
What's Next
Once Grace proves herself on rewards, the same governed approach extends across the customer and member engagement workflows that decide primacy: onboarding and activation journeys, deposit and cross-sell campaigns, retention and win-back outreach, referral administration, and financial-wellness programs - the high-volume, rule-based work that still consumes teams who should be focused on relationships and strategy.
Rewards that grow the whole relationship - live in hours, governed end to end.
See how Grace helps your team design and model rewards in draft, launch them in hours, apply them automatically as customers qualify, surface reward history back into your digital banking, and run the whole program inside your own environment - with no customer PII ever sent to a public LLM.