Last week we hosted our Vision & Strategy Event in Stockholm, an opportunity to bring partners, investors and industry peers together to explore how financial experiences are changing, and how Omnio helps brands take greater control of value, data and loyalty.

As expectations continue to rise, brands are looking for new ways to create meaningful relationships with their customers. Payments, loyalty and identity have traditionally lived in separate systems, but this separation makes it harder for businesses to deliver a seamless journey or understand the full picture of customer value.

Our discussions last week centred on a simple idea: when brands can bring these elements together, they unlock new ways to grow.

 

Brand-Based Finance: A Growing Shift

Brand-based finance is an emerging movement focused on creating value by elevating the consumer experience, both during the purchase and long after it.

This shift reflects three powerful forces:

  • Customers now expect a personalised experience when making purchases.
  • Brands are seeking greater control over their own ecosystem.
  • Omnio’s unified platform enables this by combining payments, loyalty, and value exchange into a single system, allowing brands to retain more value within their ecosystem, reduce fees, improve data visibility, and reward customers instantly.

 

In this excerpt Matt Doerner looks at why the future isn’t about pushing more offers, but creating experiences that make people feel valued so they stay.

Where AI is creating opportunities

From personalisation to predictive engagement, we discussed how AI-assisted journeys will soon feel natural to customers, helping them use their value, discover relevant offers and complete payments with less friction.

But AI can only be effective when it has a complete and accurate view of the customer. The brands that unify payments and loyalty at a structural level will be the ones who can act intelligently and consistently.

Rickard Damm highlights why owning the right data, and having identity, accounts, payments and loyalty working in harmony, is essential for delivering better experiences and deeper loyalty.

A platform that adapts to each ecosystem

Omnio does not believe in “one size fits all”. Each ecosystem retail, travel & hospitality, fuel & transport, postal networks, has its own challenges and sources of value.

Our approach is simple: we work closely with each brand to design the right value model, payment flow and customer experience, and then configure our platform to support it.

Gary Francis explains how we partner with brands to shape propositions, design journeys and bring all capabilities together. This excerpt also includes an animation showing brand-based finance in action, illustrating how value flows through a real customer scenario and how the platform responds at each step.

The value of Brand-Based Finance

Customer expectations are shifting quickly, and the brands that don’t evolve risk missing the opportunity that sits inside every transaction.

The value created at checkout, the insight, the intent, the loyalty potential is too important to leave behind.

James Dawson explores what’s at stake when brands don’t modernise their payment and value systems, and what becomes possible when they do.

 

 

Looking ahead

We left Stockholm energised by the conversations and by the industry’s clear direction of travel.

There is growing momentum behind better experiences, deeper loyalty, and greater ownership of customer value.

Thank you to everyone who joined us and contributed to the discussion.

We look forward to continuing the conversation over the coming weeks.

If you’d like to learn more about Omnio or arrange a follow-up conversation, please contact us at [email protected].