Use Cases

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The Xformative team has domain expertise and experience implementing corporate expense, government assistance, benefit administration, incentive, wellness, loyalty, neo-banking and giving solutions.

The Xformative platform can be used to solve for almost any financial use case by storing value, funding and reimbursing value through different payment channels and issued card payment vehicles.  

Corporate Expense

A corporate expense solutions provides a way for a corporation to fund a system of accounts, often with a manual claims reimbursement. Additionally, these programs benefit by issuing a card with spend controls for employee travel and entertainment.

Government Assistance

A government assistance solutions provide a way for governments to fund a system of accounts, often with a manual claims reimbursement. Additionally, these programs may issue a card with spend controls. The Xformative Platform supports multi-purse card processing and government assistance spend controls out of the box.

Benefits Administration

An employee benefits administrator is a company that provides operational services such as claims processing and employee benefits management on behalf of another company. Managing benefits requires complex fund flows and multiple funding and payout/reimbursement channels. The Xformative Platform supports multi-purse card processing, IIAS and SIGIS out of the box. With the Xformative Platform a Benefits Administrator can issue one card to reimburse against all of a participant's benefit accounts.

Incentive

General Incentive programs are incentive programs that offer rewards, discounts, and other special incentives as a way to encourage employees or patrons into specific behavior. Examples, might be employee sales performance, employee learning goals etc. The Xformative Platform supports incentive spend controls out of the box.

Loyalty

Loyalty programs are a type of incentive program sponsored by retailers and other businesses, offer rewards, discounts, and other special incentives as a way to attract and retain customers. They are designed to encourage repeat business, offering people a reward for loyalty. The Xformative Platform supports loyalty spend controls out of the box.

Wellness

Wellness programs are a type of incentive program sponsored by employers and other businesses. Wellness programs encourage an organizational approach to improving individual health. The Xformative Platform supports wellness spend controls out of the box.

Giving

Giving programs are a type of charity program sponsored by employers and other businesses to encourage giving. Giving programs can be financial and/or time based. Giving programs often involve incentives such as matching the amount given or variable on behalf of amounts. The Xformative Platform supports giving spend controls out of the box.