Interview Questions for Dev Subrata, Head of Fidel API
In an exciting stage of growth, Fidel is expanding its horizons, aiming to make a significant impact in new areas across the globe. However, this expansion comes with its challenges, as it requires a substantial investment of time and resources.
Fidel is revolutionising the way businesses operate by automating the loyalty experience, removing friction from the buyer journey. One of its unique features allows users to collect points and earn rewards without any additional actions at the checkout.
The company is collaborating with network partners and developers to explore new verticals, such as streamlining business and consumer expense management, and delivering digital receipts to customers. Fidel's ultimate goal is to enhance card-linking loyalty programs, personalised rewards, and merchant insights at the point of sale.
By leveraging real-time transaction data, merchants can better recognise high-value customers instantly and deliver tailored offers or loyalty benefits during the purchase, rather than only after the transaction has been completed. This addresses a critical limitation of traditional card-linking loyalty, which historically only provided benefits post-transaction, making it difficult for merchants to act in the moment.
Fidel API enables businesses to access live card transaction streams, allowing them to build more dynamic loyalty and rewards programs tied directly to card purchases. It also provides real-time insights into customer spending behavior across merchants and categories, enabling personalised marketing and promotional offers at checkout, increasing conversion and engagement.
Moreover, Fidel API can improve fraud detection and risk management with immediate transaction verification. Despite facing financial setbacks in the past, the underlying technology to offer real-time transactional data is seen as valuable for powering agentic commerce models and innovative payment-linked loyalty solutions that can combine payments and marketing effectively.
Fidel presents merchants with an opportunity to engage customers at the point of sale with personalised messages or offers. The company is also planning to work with new global players in select markets in Asia-Pacific and the Middle East.
In summary, the future use cases revolve around enabling merchants and fintech clients to capitalise on immediate purchase data for smarter customer engagement, fraud prevention, and seamless payment experiences — moving beyond traditional after-the-fact analysis towards truly real-time commerce intelligence.
- To further revolutionize the financial sector, Fidel is integrating AI and innovation in its technology, aiming to utilize data from real-time transaction streams for smarter finance management and personalized customer engagement at the point of sale.
- As part of its global expansion, Fidel is collaborating with AI and technology partners to strengthen its AI-powered card-linking loyalty programs, enhancing personalized rewards, and delivering instant merchant insights for improved risk management and customer engagement.
