Pain Points

Credit Card "Loyalty": The Illusion of Value

For decades, credit card companies have marketed loyalty programs as a way for consumers to earn rewards, but in reality, these programs often lead to financial strain. By incentivizing spending, consumers are pushed towards debt, while financial institutions profit. This approach is inherently extractive, serving the interests of corporations rather than travelers.

'Spend to Earn' Models are boring, outdated, and one-sided

The traditional loyalty model, where consumers must spend more to earn points, is one-sided and antiquated. In this model, brands and credit card companies benefit from increased spending while the burden is on the traveler to earn rewards. FNDM flips this relationship by creating a two-way engagement model, where brands earn travelers’ loyalty through fun, fair, and equally equitable interactions.

Customer Data is being harvested, with very little in ROI to Travelers

In today’s digital world, personal data is one of the most valuable assets a traveler holds. However, for years, brands have been quietly harvesting this data for free, profiting from the insights without sharing the value with the individuals who generate it.

Loyalty Point Redemptions are limited

The current programs mostly keep traveler reward points locked into a single brand’s ecosystem, limiting their options and often leaving points unused. FNDM introduces a decentralized marketplace where loyalty points can be freely traded between different travel brands, allowing travelers to swap and exchange points to suit their needs.