New app enables SMEs to issue loyalty points

Wednesday March 23 2016

The chief executive of Longitude Finance

The chief executive of Longitude Finance Michael Monari, (left) and M-Zawadi CEO Mr Naftal Obwoni during the launch of M-Zawadi at at Hotel Laico on Wednesday, March 23, 2016. PHOTO | LILIAN OCHIENG 

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Small and medium enterprises earlier locked out of the loyalty card systems can now use mobile based loyalties to reward customers.

This follows the launch of mobile based loyalty platform ‘M-Zawadi.’ The platform enables customers of barber shops, salons, movie shops among others to receive and redeem loyalty points from any M-Zawadi registered merchant with only a mobile number as a ‘card.’

A product of a Kenyan firm M-Zawadi Holdings, the platform also allows merchants to form cross industry partnerships offering customers variety of options to redeem points at different outlets.

"Only big brands are currently able to offer loyalty points to their customers due to the prohibitive cost of entry for smaller businesses. M-Zawadi aims to change that with an SME focused approach that lowers the cost of rewarding and retaining your customers," says Mr Naftal Obwoni, the chief executive officer of M-Zawadi.


It costs over Sh1,000 to roll out one card, this is considered expensive for SMEs. M-Zawadi solves the challenge and opens up access to the SME demystifying the notion that loyalty cards are meant for big businesses.

Majority of stores that have loyalty cards are Uchumi Supermarket, Tuskys and Nakumatt. M-Zawadi’ innovation is the first in the market, it also allows sharing of loyalty points across users.

The platform is available on mobile devices as an application, it can also be accessed through USSD short code messaging on feature phones. It also allows instant chatting between companies and customers.

The platform poses major competition to card manufacturing companies such as MasterCard and Visa Card who occupy the high end market. It however targets even the lowest end of the retail business; groceries, barbers and beauty shops.