Before starting monobank, its founder had an idea of a startup that lets people discover their city like in a video game, i.e. people would start with a black map covered in the “fog of war” that would gradually open as they explore their city and discover things.
A similar mode can be used for the rewards map to encourage users to get out and explore different partners while making it fun.
Right now users can look at the map and see where the rewards are located. This can serve as a foundation of challenges with achievements that would reward certain behaviour. This already exists in a basic form (e.g. get $5 back when you spend $100, 8% back when you make 3 purchases etc). Right now these offers are built to encourage repeat purchases. The current limitation is that each reward is tied to one merchant, which makes the customer journey repetitive and boring.
This could be way more fun. For example, “explore 5 Mexican restaurants this year” and get some cinco de mayo badge with a sombrero sounds way more exciting than “return to the same Mexican restaurant 3 more times by March that you probably like the first time you tried it”.
This is where a lot of creativity is possible by combining different categories together and creating custom journeys that make sense for a lot of users but feel so personalized like they were just made for you.
For example, a lot of people will make New Year resolutions in January. There could be a challenge/reward of “New Year, New You” or something along these lines where people would for example 1. Sign up for gym membership, 2. Buy new clothing 3. Get some beauty salon things done and get a reward if they complete all three by a specified date.
If this is designed well, these things can really drive traffic to partners and help them increase sales, creating opportunities to charge partners extra for being including in top featured journeys or something. In addition to growing the user base and the partners network, there are probably many ways to get more out of the existing infrastructure by creating those experiences that make sense for users and partners alike.