POINTX Transforms into Ultimate Points Management App with Insight-Led Enhancements, Elevating Points Experience with Effortless Redemption Anytime and Privileges for All Lifestyles in One Place

Thailand's loyalty program market is growing rapidly, with its size projected to reach US$1.12 billion by 2029*. Modern-day consumers are looking beyond traditional perks, seeking personalized experiences that integrate seamlessly with their daily lives. In line with this trend, POINTX consistently evolves, addressing past restrictions and introducing improvements based on user insights to ensure delivery of the ultimate point experience.

Loyalty Program User Insights and Pain Points**

A recent survey identified four distinct loyalty program usage patterns among Thais:

• Quick-Win Point Enthusiasts: 52% of users prefer immediate gratification, redeeming points frequently for small rewards that would make their day.
• Point-to-Liquidity Seekers: 29% of users look at reward points as a cash equivalent, using them primarily for discounts or in combination with cash to reduce expenses on purchases, credit card bills, and fuel, etc.
• Long-Term Point Planners: 14% of users plan a longer points journey, focusing on future redemptions for products or major deals they consider most valuable.
• Distant Point Collectors: 5% of users are indifferent to point collection, seeing insufficient value for the effort required.

In terms of key pain points that prevent users from maximizing their points, 75% of users often forget their point balances, 65% find point collection processes cumbersome, and 60% feel limited by redemption options. Additionally, loyalty program users typically redeem points for vouchers or special promotions from three business sectors: retail and e-commerce, food and beverage, and travel and transportation—clearly reflecting users' preference for everyday usability of reward points.

POINTX: Addressing User Behaviors with Insight-Led App Development

POINTX has incorporated these behavioral insights and challenges into its core values to elevate the platform beyond a mere points collection and redemption app. Users can enjoy "streamlined points management" in which points earned through SCB and CardX credit cards automatically appear in the app without manual transfers. They can "transfer and consolidate points from leading partners" including AIS Points, Amaze, Blueplus+, Bangchak, J Point, MAX CARD, M Card, and Lotus's. Users will also enjoy "flexible point redemption options" like never before, including:

• Use the POINTX app to scan and pay via Corporate QR Code at merchants nationwide through the SCB EASY app.
• Shop online and pay through Mobile Banking with the SCB EASY app on leading e-commerce and delivery platforms.
• Redemption for products from leading brands, trending items, and e-coupons in the in-app X Store.
• Bill payment options including SCB and CardX credit card bills, cash back credits, income tax payment, and utility bills.
• Airline miles conversion and charitable donations.

Additionally, POINTX app offers greater possibilities from its point management feature. Users can consolidate any amount of points transferred from partners or earned from marketing promotions with POINTX points from up to two SCB and CardX credit cards*** (a minimum of one POINTX point required) when they use reward points in combination with funds in their account. Users will also discover many other promotions and campaigns with leading partners that allow them to maximize value and enjoy special offers through point redemption like never before.

POINTX represents a fundamental shift in how loyalty programs deliver value, bringing together new ways that allow users to unlock endless possibilities for exclusive benefits in their everyday life across lifestyle categories, with simplified points management and greater value than ever. The company will continue to improve the app in every aspect to further enhance the user experience as the platform that connects consumers and partners while fostering sustainable growth together.

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