10.28.2025
is a loyalty technology company.
At RAZR, we leverage our proprietary technology platform, Fibonacci™, to power loyalty and engagement programs.
Along with our tech platform, we use behavioral science and our full-service strategy and creative team to bring a comprehensive suite of marketing services to our client roster to help influence consumer decisions.
Data Management
- Manage all data integration needs
- Benefit from existing relationships
- Add new partners to expand loyalty ecosystem
- Scalable and configurable data model requirements
- Householding for efficient and effective data organization
Platform Architecture with data flows
Loyalty Core™ Powered by Fibonacci
Configurable Member Experience
Control Center - Program Operations and Call Center
RAZR Services API
Data Exchange - File ingestion, processing, and extract
Operational Databases
Database Replica
Reporting, Dashboarding, and Visualization
Client Integration
Client exchanging data files with RAZR’s Data Exchange
Client digital channels integrated into RAZR API
Client digital channels integrated via SSO into RAZR
FI digital channels integrated via SSO into RAZR
FI exchanging data files with RAZR’s Data Exchange
Third Party Integration
RAZR integrates with a number of Redemption partners
RAZR integrates with communication services providers
RAZR integrates with Sift for fraud detection
"OLD" VS "NEW" Data Models
Legacy Card Rewards Data Model
Account-centric
- Enrolled in a program dictacted by client
- Holds card transactions
- Holds all rewards activity
Account
Memeber
Primary Cardholder
Primary Card
- Produces transactions for an account
- Earns rewards into an account
Card(s)
- Earns rewards when scored by base earning rules and promotions of the account's program
Card Transactions
Legacy Data Model
Our legacy Card Rewards data model was centered around a credit card account and its card transactions. This prevented us from being able to do Enterprise Loyalty outside just cards.
Enterprise Rewards Data Model
Person-centric
Legacy Card Rewards Data Model
Account-centric
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
Account
Memeber
- Enrolled in a program dictacted by client
- Holds card transactions
- Holds all rewards activity
Primary Cardholder
Primary Card
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Produces transactions for an account
- Earns rewards into an account
Card(s)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Earns rewards when scored by base earning rules and promotions of the account's program
Card Transactions
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Contributors
CHild
Enterprise Rewards Data Model
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
Our new Enterprise Rewards data model shifts the focus to the person and their relationships to various financial product accounts. This allows us to do Enterprise Loyalty beyond cards
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Let's Define
Enterprise Rewards Data Model
Person-centric
Rewards Account (new)
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
Select a Box to Jump to a Section
NEW! A RAZR-generated entity that holds an account's rewards balance and activity for a program
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- Rewards activity that used to live on an account now lives on a rewards account, separating client-imported account data from RAZR-generated rewards data
- Tied to a program
- Has contributing accounts & card accounts
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Contributors
Click To Preview Updates
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
Account
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
An individual financial account eligible for rewards participation. Includes identifying fields necessary for tracking activity and calculating points
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- NEW! Linked to a specific product (which drives program enrollment)
- NEW! Linked to a specific rewards account
- NEW! Enrolled in eligible campaigns
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Click To Preview Updates
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
Card Account (NEW)
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
NEW! A RAZR-generated entity that represents a credit/debit card
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- Maintains a history of issued cards (current and replaced cards)
- Holds card transactions from specific payment cards
- Has a parent Account
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Click To Preview Updates
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
Card(s)
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
A credit/debit payment card held by a specific person
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
NEW! Linked to a specific Card Account
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
Click To Preview Updates
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
Card Transactions
Transaction-level credit/debit card activity
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- Linked to a specific Card Account (a child of an Account)
- Rewards earning is scored by a parent Account's campaign enrollments
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
Transactions (New)
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
NEW! Transaction-level activity such as purchases, payments, or other account actions that may impact point accrual, redemptions, or eligibility
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
NEW! These enterprise transactions support financial products beyond cards
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
Relationship (New)
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
NEW! Maps the relationship between a person and an account/card (e.g., primary owner, joint owner, authorized user) to support householding logic, points pooling, and permissions to accounts
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- Default relationship is Primary - Talk to us about how to use RAZR's new file data exchange to make use of additional relationship types
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Enterprise Rewards Data Model
Person-centric
Person
- Has relationship to accounts, cards, rewards accounts
- Can have multiple accounts
- Logs into rewards site (new*)
Person
An individual or company associated with rewards-eligible accounts.
Definition
- Defines a person's relationship to an account
- Primary/Joint/Authorized – Can access rewards
- Cardholder/Other – No access to rewards
RElationship (NEW)
- Loan
- Demand Deposit
- Time Deposit
Transactions (NEW)
- Has a list of related accounts & cards
- Member emulation has moved from an account to a person
- Addresses have moved from an account to a person
Key Changes
- Has a product type dictated by client (*new)
- Enrolled in a program driven by product type
- Linked to a rewards account
- Enolled in campaigns (when qualified) to earn rewards based on the activity of its child card account(s)
- Can have multiple account holders
- Can have multiple child card accounts
Account
- Holds all rewards activity in a program for contributing accounts
Rewards Account (NEW)
Click To Preview Updates
Contributors
CHild
- Represents a Credit/Debit Card
- Holds card(s) – Current card and any previous replaced cards
- Holds card transactions
Card Account (NEW)
- Earns rewards when scored by the parent account’s enrolled campaigns
Card Transactions
- Held by a specific person
- Produces transactions for a card account
- Earns rewards into a rewards account
Card(s)
Modern Cloud-Native Tech Stack
Hosting Architecture
- Hosted on Amazon Web Services leveraging Terraform for Infrastructure-as-Code (IaC) principles
- Front-end is hosted on a CDN/AWS CloudFront and accesses backends through API
- All requests pass through web application firewall
- API access managed and tracked through an AWS API Gateway
- Containerized backend stateless services running on scalable AWS Elastic Container Service cluster
- Rule processing can execute transactions synchronously or asynchronously
- Asynchronous processing designed around high throughput AWS SNS/SQS/Lambda capabilities
- Databases are managed PostgreSQL on AWS RDS
- File exchange through AWS Transfer SFTP with PGP encryption/decryption and VPN Tunnel supported
Security Architecture
- RAZR has a robust Security Framework, consisting of policies, procedures, and standards geared to protect the availability, progressing integrity, security, and confidentiality of your customer’s data.
Policies, Procedures & Standards
- Annually audited with 3rd Parties for AICPA SOC2 Type II + HIPAA and PCI DSS
Perimeter
- Deploy administrative, technical, and logical controls in a defense-in-depth strategy
Network
- Data is encrypted in storage and and in transit and sensitive data is stored in an isolated PCI Enclave
Host
- Both VPN and MFA are required to perform administrative access
Application
- Internal, external, and application Penetration and Vulnerability assessments regularly
Data
- All log data is aggregated into DataDog for troubleshooting, event monitoring and alerting
- Splunk On-Call is leveraged for 24x7x365 on-call alerting and escalation management
Rules Engine
- Configurable, robust rules to drive targeted marketing strategies
- Access to all available data to create personalized experiences
- Ability for both single and grouped promotions
- Visual and rule administration for user-friendly management
- Triggered events for timely and relevant interactions
Enterprise Loyalty
Earn
Data scored across multiple activities
Individual Products
Services
Relationship Drivers
Engagement
Good Behavior
Credit Card Debit Card DDA Savings Account Personal Loan Auto Loan Mortgage Home Equity Loan HELOC
2+ Products 3+ Products 4+ Products Spend Level Transaction Level Longevity with FI
eStatements Mobile Deposits Auto Payments Bill Pay Direct Deposit Overdraft Protection
On-time Loan Payments Checking Minimums Savings Minimums Increase Credit Score Financial Literacy
Anniversary Birthday Milestone Refer a Friend Opt-in for Newsletter Support Local Community
Enterprise Loyalty
Output
Rules to trigger multiple outcomes
Higher Interest on Deposit Products
Issue Points for Merch, Travel, Gift Cards
Lower Interest on Loan Products
Cashback into an account
Elevate Tier Status
Fee Waivers
Customer Experience
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
- Intuitive online portals for streamlined interactions
- Enhanced registration and survey experiences to gather valuable insights
- Customizable program to align with your institution’s unique needs
- Email and SMS support for both transactions and campaigns
- Single Sign-On (SSO) support
- APIs and webhooks for systematic integration with external data sources
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Customer Experience
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Customer Experience - Home
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Customer Experience - Earn
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Customer Experience - Promotions
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Customer Experience - Transactions
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Digital/Online Banking
Rewards Management
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
- Rewards solutions tailored to your objectives
- Both one-time and cumulative rewards options
- Seamless management of point banks and program liabilities
- Robust supplier network with a diverse range of rewards
- FI-issued rewards support
- New partnership connections
Rewards Features
Charity: National, local, Foundation
Merchandise including BBY in-store pick-up
Travel: Flights, hotels, rental cars, cruises, experiences
Custom Stores: FI products, local partnerships
Events
Gift Cards: Plastic, electronic
Real-Time Rewards
Cashback: Statement credit, deposit to checking or savings, purchase rebate
International - Canada/French
Rewards - Travel
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Flights
Car Rental
Hotels
Rewards - Gift Cards
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Rewards - Merchandise
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Rewards - Merchandise Search
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Rewards - Events
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Rewards - Cashback
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
French-Canadian Member Site | Catalog
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
International
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
International
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Program Administration
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
- Master program efficiency with expert support
- Configure programs, promotions & member experience
- Support customer service applications
- Managed by RAZR and/or extended to FI's
- Reporting available, including Tableau dashboards
- Rights managed based on user role
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Self-Serve Admin
Member Lookup
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Program Management
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Campaigns
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
21
Program Administration
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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Reporting
- Empower your members with intuitive online portals for seamless interactions.
- Enhance registration and survey experiences to gather valuable insights.
- Customize the program to align perfectly with your credit union's unique needs.
- Engage members effectively through email and SMS support, for both transactions and campaigns.
- Ensure a smooth user journey with Single Sign-On (SSO) support.
- Leverage APIs and webhooks for seamless integration with external data sources.
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RAZR Capabilities
- Enjoy unparalleled flexibility in reward solutions tailored to your objectives.
- Reward customers with both one-time and cumulative options for increased satisfaction.
- Seamlessly manage all point banks and program liabilities with ease.
- Drive engagement with a robust supplier network offering a diverse range of rewards.
- Support bank-issued rewards to maximize program effectiveness.
- Seamlessly connect with new partnerships to expand your reward offerings.
Strategy & Planning
Creative Execution
Development & Production
Website development
Technology architecture
SEO keyword development
Website implementation / custom HTML
Data analytics, tracking, reporting, and optimization
UX audits and planning
Brand strategy and messaging development
Persona development / journey mapping
Market research / interviews
Full-funnel strategic plans
Content development
Website content audit/strategy
Go-to-market & product launch strategies
Competitive research/analysis
Marketing concepting /collateral development
Website / email copy and design
Digital / social / paid media
Print / TV / digital advertising
Video and animation
Sales enablement / product education
Conference / event materials
Enterprise Loyalty is the Future for Financial Institutions
Enterprise Loyalty
Output
Rules to trigger multiple outcomes
Cashback
Issue Points
Communication
Fee Waivers
Tier Status
Higher Interest
Marketing Examples
Member Journey
"I like the great rates and personalized services of my family's credit union. My boys need to learn how to manage their money and the credit union can help them do that."
Coulton Chadwick
Bio/Story
The family credit union was the place for all of Coulton's financial firsts – savings account, checking account, auto loan, and mortgage. Over the decades, Coulton has continued to bank with the credit union but uses only a few products (e.g. family savings, checkings, and auto loans). The bulk of his investments are with a financial planner. Coulton's wife, Renee, runs a boutique clothing store as a passion project. Coulton and Renee are big into travel and put the majority of purchases on their travel rewards card. Their son, Chip, will be a freshman at Boston College in the fall. Their younger son, Billy, is in private school but also hopes to attend Boston College when he graduates.
Age: 59 Location:Alexandria, Virginia Occupation:CFO of Stapler Company Relation status:Married to Renee (47), 2 sons (18 & 15) Annual Income:$450K Net Worth:$3.5M ($1M in liquid assets)
Goals
While the Chadwick family is financially secure, Coulton wants to ensure that his sons have high financial literacy, especially as they head off to college. In addition, he wants to maximize investments while making sure there are funds available to pay for college for his two sons.
Brand Affinity
Tactics & Characteristics
Target Journey
Enterprise Loyalty
Considerations
Industries best practices
Enterprise Loyalty
Earn
Data scored across multiple activities
Individual Products
Self Serve
Relationship Drivers
Good Behavior
Product Groups
Tina Martinez
“As a single mom, money can be tight. I’m looking for support to build my credit and my future.”
Bio/Story
Tia is a smart, hard-working, empathetic person who had a solid plan for the future. Eight years ago, her marriage and finances were destroyed by the difficult birth of her son, which left her struggling to pay high medical bills as a single mom. She’s worked hard to rebuild her credit and feels like she’s ready to take important steps towards a more secure future for herself and her son. However, she has some anxiety about finances and working with banking institutions. She recently joined the credit union after accepting a new job as a special education teacher at the middle school.
Age: 48 Location:Columbus, Ohio Occupation:Middle school special ed teacher Relation status:Single mom of an 8-year boy Annual Income:$48K Net Worth:$125,000($10K in liquid assets)
Goals
While Tia has a reasonable amount in her retirement fund, she would like to increase the amount of cash she has available. She has a house, but would like to upgrade. Tia would also like to continue to improve her credit history and is working hard to consolidate her credit card debt.
Brand Affinity
Tactics & Characteristics
Target Journey
Points Overview
Profile Overview
Card Details
Issued Cards List
Details about issued cards
Access rewards Account
Toggle Account holders
Memeber EMulation Here
Accounts Lists
Account Access
Addresses
RAZR MASTER_Data Models
Sarah Cole
Created on November 7, 2025
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Transcript
10.28.2025
is a loyalty technology company.
At RAZR, we leverage our proprietary technology platform, Fibonacci™, to power loyalty and engagement programs. Along with our tech platform, we use behavioral science and our full-service strategy and creative team to bring a comprehensive suite of marketing services to our client roster to help influence consumer decisions.
Data Management
Platform Architecture with data flows
Loyalty Core™ Powered by Fibonacci
Configurable Member Experience
Control Center - Program Operations and Call Center
RAZR Services API
Data Exchange - File ingestion, processing, and extract
Operational Databases
Database Replica
Reporting, Dashboarding, and Visualization
Client Integration
Client exchanging data files with RAZR’s Data Exchange
Client digital channels integrated into RAZR API
Client digital channels integrated via SSO into RAZR
FI digital channels integrated via SSO into RAZR
FI exchanging data files with RAZR’s Data Exchange
Third Party Integration
RAZR integrates with a number of Redemption partners
RAZR integrates with communication services providers
RAZR integrates with Sift for fraud detection
"OLD" VS "NEW" Data Models
Legacy Card Rewards Data Model
Account-centric
Account
Memeber
Primary Cardholder
Primary Card
Card(s)
Card Transactions
Legacy Data Model
Our legacy Card Rewards data model was centered around a credit card account and its card transactions. This prevented us from being able to do Enterprise Loyalty outside just cards.
Enterprise Rewards Data Model
Person-centric
Legacy Card Rewards Data Model
Account-centric
Person
Account
Memeber
Primary Cardholder
Primary Card
RElationship (NEW)
Card(s)
Transactions (NEW)
Account
Card Transactions
Rewards Account (NEW)
Contributors
CHild
Enterprise Rewards Data Model
Card Account (NEW)
Our new Enterprise Rewards data model shifts the focus to the person and their relationships to various financial product accounts. This allows us to do Enterprise Loyalty beyond cards
Card Transactions
Card(s)
Let's Define
Enterprise Rewards Data Model
Person-centric
Rewards Account (new)
Person
Select a Box to Jump to a Section
NEW! A RAZR-generated entity that holds an account's rewards balance and activity for a program
Definition
RElationship (NEW)
Transactions (NEW)
Key Changes
Account
Rewards Account (NEW)
Contributors
Click To Preview Updates
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Account
Person
An individual financial account eligible for rewards participation. Includes identifying fields necessary for tracking activity and calculating points
Definition
RElationship (NEW)
Transactions (NEW)
Key Changes
Account
Rewards Account (NEW)
Click To Preview Updates
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Card Account (NEW)
Person
NEW! A RAZR-generated entity that represents a credit/debit card
Definition
RElationship (NEW)
Transactions (NEW)
Key Changes
Account
Rewards Account (NEW)
Click To Preview Updates
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Card(s)
Person
A credit/debit payment card held by a specific person
Definition
RElationship (NEW)
Transactions (NEW)
NEW! Linked to a specific Card Account
Key Changes
Account
Click To Preview Updates
Rewards Account (NEW)
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Person
Card Transactions
Transaction-level credit/debit card activity
Definition
RElationship (NEW)
Transactions (NEW)
Key Changes
Account
Rewards Account (NEW)
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Transactions (New)
Person
NEW! Transaction-level activity such as purchases, payments, or other account actions that may impact point accrual, redemptions, or eligibility
Definition
RElationship (NEW)
Transactions (NEW)
NEW! These enterprise transactions support financial products beyond cards
Key Changes
Account
Rewards Account (NEW)
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Relationship (New)
Person
NEW! Maps the relationship between a person and an account/card (e.g., primary owner, joint owner, authorized user) to support householding logic, points pooling, and permissions to accounts
Definition
RElationship (NEW)
Transactions (NEW)
Key Changes
Account
Rewards Account (NEW)
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Enterprise Rewards Data Model
Person-centric
Person
Person
An individual or company associated with rewards-eligible accounts.
Definition
RElationship (NEW)
Transactions (NEW)
Key Changes
Account
Rewards Account (NEW)
Click To Preview Updates
Contributors
CHild
Card Account (NEW)
Card Transactions
Card(s)
Modern Cloud-Native Tech Stack
Hosting Architecture
Security Architecture
Policies, Procedures & Standards
Perimeter
Network
Host
Application
Data
Rules Engine
Enterprise Loyalty
Earn
Data scored across multiple activities
Individual Products
Services
Relationship Drivers
Engagement
Good Behavior
Credit Card Debit Card DDA Savings Account Personal Loan Auto Loan Mortgage Home Equity Loan HELOC
2+ Products 3+ Products 4+ Products Spend Level Transaction Level Longevity with FI
eStatements Mobile Deposits Auto Payments Bill Pay Direct Deposit Overdraft Protection
On-time Loan Payments Checking Minimums Savings Minimums Increase Credit Score Financial Literacy
Anniversary Birthday Milestone Refer a Friend Opt-in for Newsletter Support Local Community
Enterprise Loyalty
Output
Rules to trigger multiple outcomes
Higher Interest on Deposit Products
Issue Points for Merch, Travel, Gift Cards
Lower Interest on Loan Products
Cashback into an account
Elevate Tier Status
Fee Waivers
Customer Experience
21
Customer Experience
21
Customer Experience - Home
21
Customer Experience - Earn
21
Customer Experience - Promotions
21
Customer Experience - Transactions
21
Digital/Online Banking
Rewards Management
Rewards Features
Charity: National, local, Foundation
Merchandise including BBY in-store pick-up
Travel: Flights, hotels, rental cars, cruises, experiences
Custom Stores: FI products, local partnerships
Events
Gift Cards: Plastic, electronic
Real-Time Rewards
Cashback: Statement credit, deposit to checking or savings, purchase rebate
International - Canada/French
Rewards - Travel
Flights
Car Rental
Hotels
Rewards - Gift Cards
Rewards - Merchandise
Rewards - Merchandise Search
Rewards - Events
Rewards - Cashback
French-Canadian Member Site | Catalog
International
International
Program Administration
21
Self-Serve Admin
Member Lookup
21
Program Management
21
Campaigns
21
Program Administration
21
Reporting
21
RAZR Capabilities
Strategy & Planning
Creative Execution
Development & Production
Website development Technology architecture SEO keyword development Website implementation / custom HTML Data analytics, tracking, reporting, and optimization UX audits and planning
Brand strategy and messaging development Persona development / journey mapping Market research / interviews Full-funnel strategic plans Content development Website content audit/strategy Go-to-market & product launch strategies Competitive research/analysis
Marketing concepting /collateral development Website / email copy and design Digital / social / paid media Print / TV / digital advertising Video and animation Sales enablement / product education Conference / event materials
Enterprise Loyalty is the Future for Financial Institutions
Enterprise Loyalty
Output
Rules to trigger multiple outcomes
Cashback
Issue Points
Communication
Fee Waivers
Tier Status
Higher Interest
Marketing Examples
Member Journey
"I like the great rates and personalized services of my family's credit union. My boys need to learn how to manage their money and the credit union can help them do that."
Coulton Chadwick
Bio/Story
The family credit union was the place for all of Coulton's financial firsts – savings account, checking account, auto loan, and mortgage. Over the decades, Coulton has continued to bank with the credit union but uses only a few products (e.g. family savings, checkings, and auto loans). The bulk of his investments are with a financial planner. Coulton's wife, Renee, runs a boutique clothing store as a passion project. Coulton and Renee are big into travel and put the majority of purchases on their travel rewards card. Their son, Chip, will be a freshman at Boston College in the fall. Their younger son, Billy, is in private school but also hopes to attend Boston College when he graduates.
Age: 59 Location:Alexandria, Virginia Occupation:CFO of Stapler Company Relation status:Married to Renee (47), 2 sons (18 & 15) Annual Income:$450K Net Worth:$3.5M ($1M in liquid assets)
Goals
While the Chadwick family is financially secure, Coulton wants to ensure that his sons have high financial literacy, especially as they head off to college. In addition, he wants to maximize investments while making sure there are funds available to pay for college for his two sons.
Brand Affinity
Tactics & Characteristics
Target Journey
Enterprise Loyalty
Considerations
Industries best practices
Enterprise Loyalty
Earn
Data scored across multiple activities
Individual Products
Self Serve
Relationship Drivers
Good Behavior
Product Groups
Tina Martinez
“As a single mom, money can be tight. I’m looking for support to build my credit and my future.”
Bio/Story
Tia is a smart, hard-working, empathetic person who had a solid plan for the future. Eight years ago, her marriage and finances were destroyed by the difficult birth of her son, which left her struggling to pay high medical bills as a single mom. She’s worked hard to rebuild her credit and feels like she’s ready to take important steps towards a more secure future for herself and her son. However, she has some anxiety about finances and working with banking institutions. She recently joined the credit union after accepting a new job as a special education teacher at the middle school.
Age: 48 Location:Columbus, Ohio Occupation:Middle school special ed teacher Relation status:Single mom of an 8-year boy Annual Income:$48K Net Worth:$125,000($10K in liquid assets)
Goals
While Tia has a reasonable amount in her retirement fund, she would like to increase the amount of cash she has available. She has a house, but would like to upgrade. Tia would also like to continue to improve her credit history and is working hard to consolidate her credit card debt.
Brand Affinity
Tactics & Characteristics
Target Journey
Points Overview
Profile Overview
Card Details
Issued Cards List
Details about issued cards
Access rewards Account
Toggle Account holders
Memeber EMulation Here
Accounts Lists
Account Access
Addresses