Loyalty Juggernaut, Inc. and On Point Loyalty have launched fidivio, a purpose-built SaaS platform for the financial management of loyalty programs. The two companies jointly developed the platform, which they describe as the loyalty industry's first unified platform for financial planning, analysis and accounting.

fidivio combines IFRS-compliant loyalty accounting, financial planning and analysis, and fidi, an AI-powered financial assistant. It runs on AWS and comes pre-integrated with GRAVTY®, Loyalty Juggernaut's flagship platform, connecting loyalty operations directly with financial accounting, forecasting and scenario planning.

What the platform does

According to the companies, fidivio provides three connected capabilities:

  • IFRS-compliant loyalty accounting: Automates deferred-revenue and program-liability calculations, with configurable accounting assumptions, financial statements and reconciliation outputs.
  • Financial planning and analysis: Connects program performance with budgets and forecasts. Teams can model scenarios for issuance, redemption and breakage, evaluate financial sensitivities and identify the actions needed to achieve specific financial targets.
  • fidi AI: Enables users to investigate trends and financial variances through natural-language questions, generate tailored reports and dashboards, and explore financial scenarios using authorized program data.

The integration with GRAVTY® is intended to give finance and loyalty teams a shared view of program activity and its financial impact. fidivio also supports integration with other loyalty management and enterprise finance systems, serving programs across industries and operating models, including in-house programs, profit centers and standalone loyalty businesses.

Executive comments

"Enterprises are asking loyalty to contribute more to growth, and that requires greater discipline in how they invest in and manage their programs,“ said Shyam Shah, CEO and Co-Founder of Loyalty Juggernaut. ”With fidivio, we are extending our commitment to helping brands turn loyalty into an enterprise growth engine. Our ambition is to give finance and loyalty leaders the financial confidence to pursue growth opportunities while maintaining control over program economics."

Combined expertise

The companies said fidivio combines Loyalty Juggernaut's enterprise technology expertise and experience powering loyalty programs for brands including Emirates, Liverpool, WestJet, Global Hotel Alliance, Shoppers Stop and Deutsche Telekom through GRAVTY® with On Point Loyalty's expertise in loyalty economics, financial modeling and program valuation, drawing on experience advising more than 40 airlines worldwide.

Live deployment at Nexxia

fidivio is already in production at Nexxia, a Mexico-based loyalty and data solutions company serving brands across Latin America, bringing the platform's capabilities into a live enterprise environment.

“As our loyalty business grows, we need accounting processes and financial controls that can grow with it,” said Liliana Galeano Pardo, Chief Financial Officer of Nexxia. "fidivio helps us maintain a consistent view of deferred revenue and program liabilities, with reporting that supports reconciliation and financial oversight. It gives our team a stronger foundation for managing the obligations associated with our programs."
"Well-designed loyalty programs create lasting value for customers and businesses alike, combining meaningful customer engagement with strong financial performance,“ said Roberto Muñoz Guillen, Co-Founder and CEO of Nexxia. ”At Nexxia, we are building world-class enterprise loyalty programs that demand the same level of sophistication in financial management. The implementation of fidivio strengthens our ability to understand the economic impact of our decisions and allows us to continue scaling with greater visibility, discipline, and confidence."

About the companies

Loyalty Juggernaut is headquartered in Palo Alto, California, and describes itself as a global leader in enterprise loyalty technology. Its GRAVTY® platform powers over 80 programs across airlines, retail, hospitality, telecommunications and financial services, according to the company. Loyalty Juggernaut said the platform brings together agentic capabilities, U.S.-patented AI and ISO/IEC 42001-certified AI governance, and that it was recognized as a Strong Performer in The Forrester Wave™: Loyalty Platforms, Q4 2025.

On Point Loyalty is a global advisory firm specializing in loyalty strategy, program economics, financial modeling and valuation. It publishes the Top 100 Most Valuable Airline Loyalty Programs report, whose 2026 edition analyzes more than 170 airlines, according to the firm.