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ALM Media, LLC

Josh Gazes, Senior Vice President – Operations

British Gas

Jess Johnson, Head of Operational Excellence

Mosaic Insurance

Mitch Blaser, Co-CEO

Mosaic Insurance

Krishnan Ethirajan, COO

Oxford Nanopore Technologies

Jason Hendrey, Senior Director, Global Customer Services

WS Audiology (WSA)

Christof Steube, Director of Finance Excellence

Kiwi.com

Leonard McCullie, Director, Vendor Management

Kiwi.com

Petra Reiter, Vice President, Customer Services

Flight Centre

Aaron Fadelli, Business Leader

Healius Pathology

Alex Cook, Head of Finance Operations

Varo Bank

Breanna Rivers, Partner Performance Manager

Yorkshire Building Society Group (YBS)

Jessica Lockwood, Process Automation Manager

WS Audiology (WSA)

Sharang Patil, Director of Group Finance Excellence

Priya Madan Mohan, VP for Group Accounting & Controlling

United Airlines

Chris Kenny, VP and Controller

GFG Alliance

Phillip Irish, General Manager, Shared Services Delivery, Quality & Governance

Energy Australia

Steve Corden, Outsource Operations Leader

Delaware North

Christopher Lozipone, Senior Vice President and Global Business Services Head

Moneycorp

Nick Haslehurst, Chief Financial & Operating Officer

Prodigy Finance

Nico Barnard, Head of Operations

M&T Bank

Chris Tolomeo, Senior VP & Head of Banking Services

Minerals Technologies Inc. (MTI)

Khem Balkaran, CIO

Church's Chicken

Louis J. Profumo, CFO & EVP

Merchant Platform Transformation: Retail Banking Case Study

Read | Aug 14, 2025

AUTHOR(s)

A WNS Perspective

Summary

WNS enabled a leading Middle East-based bank to streamline its merchant offer ecosystem through a custom-built merchant management application.

WNS partnered with a leading banking and financial services firm to co-create a digitized, end-to-end merchant management platform that simplified merchant onboarding, enabled real-time eligibility checks and automated cashback processing. The engagement uncovered inefficiencies in configuring and validating merchant discounts and cashbacks due to manual, fragmented processes. WNS delivered an Appian-powered solution to support faster, more personalized campaign execution, enhancing control, speed and customer experience.

The Impact

% reduction in manual effort through automated offer management

Accelerated campaign setup with instant offer creation / editing; no backend updates required

Segment-driven personalization based on customer risk, salary and spend tiers

Learn more about WNS’ Appian-powered hyperautomation capabilities

The Challenge

Manual Cashback Processing. Limited Offer Control. No Customer Segmentation.

The bank's merchant discount and cashback program suffered from outdated, manual processes. Offer eligibility and tiering lacked real-time validation, leading to inefficiencies in cashback calculation and delays in customer communication. Merchants had no centralized platform for defining eligible customers, configuring offers or monitoring program performance.

The Solution

A Unified Merchant Management System Re-imagined Through Intelligent Automation

WNS developed and deployed a centralized and customized merchant management application that:

  • Enabled digital onboarding of merchants with tier definitions and offer setup
  • Supported flexible offer types: Fixed / percentage-based and segment-based
  • Built real-time eligibility checks at the transaction level
  • Automated monthly cap validations for cashback
  • Enabled seamless cashback calculation and direct transfer to customer vaults
  • Triggered real-time customer notifications for credited cashback

The Future-ready Shift

Advancing Toward Integrated Merchant Asset Management

By digitizing the merchant offer lifecycle, WNS helped the bank shift from fragmented manual processing to a real-time, insight-driven experience for both customers and merchants. The platform now supports scalable, personalized campaign execution with significantly reduced operational effort.

Discover What’s Possible with WNS

FAQs

1. How can intelligent merchant management platforms improve banking operations and merchant onboarding?

Intelligent merchant management platforms streamline merchant onboarding, verification, servicing and lifecycle management through AI-driven automation and centralized workflows. By integrating analytics, digital onboarding and real-time monitoring, banks can reduce onboarding friction, improve operational efficiency and accelerate merchant acquisition. WNS helps financial institutions modernize merchant ecosystems through scalable digital platforms that improve agility, compliance and customer experience.

2. Why are retail banks investing in AI-powered merchant management transformation?

Retail banks are facing growing pressure to support faster merchant onboarding, improve payment ecosystem visibility and deliver seamless digital experiences in an increasingly competitive payments landscape. Traditional merchant operations often suffer from fragmented systems, manual verification and inconsistent servicing workflows. WNS enables banks to modernize merchant management operations through AI-powered automation, intelligent workflow orchestration and data-driven decision intelligence.

3. How do AI and analytics improve merchant risk management and payment ecosystem performance?

AI and analytics help banks proactively identify merchant risk patterns, detect anomalies and optimize merchant portfolio performance in real time. Predictive analytics improves fraud monitoring, transaction visibility and compliance management while enabling more personalized merchant engagement strategies. WNS combines deep banking and payments expertise with advanced AI and analytics capabilities to help institutions build intelligent and resilient merchant ecosystems.

4. What operational challenges can smart merchant management transformation solve for banks?

Smart merchant management transformation helps banks address challenges such as slow onboarding cycles, fragmented merchant data, compliance complexity and inefficient manual servicing processes. Intelligent automation and integrated data ecosystems improve transparency, scalability and operational resilience across merchant operations. WNS enables financial institutions to transition from siloed merchant management models to connected, insight-driven digital banking ecosystems.

5. Why should banks partner with WNS for merchant management and payments transformation?

WNS combines deep banking and payments domain expertise with advanced AI, analytics and intelligent operations capabilities to help banks modernize merchant management at scale. From digital onboarding and merchant intelligence to workflow automation and payment ecosystem optimization, WNS enables financial institutions to improve operational efficiency, strengthen risk governance and deliver differentiated merchant experiences in an increasingly digital financial services landscape.