How Xoxoday is Using Generative AI to Help Kenyan Businesses Boost Customer Loyalty
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Indian rewards and loyalty technology company Xoxoday has explained how Generative AI-powered rewards and engagement programmes could help Kenyan businesses to strengthen customer loyalty while accelerating financial inclusion.
Speaking during an interview on the role of artificial intelligence in customer engagement on Friday, August 7 2026, Xoxoday Vice President Roshaan Kulpoo said Kenya’s advanced digital economy and increasing smartphone adoption make it an ideal market for AI-powered loyalty solutions.
He added that organisations are increasingly looking beyond traditional rewards programmes, using artificial intelligence to personalise customer experiences and encourage the adoption of digital financial services.
Xoxoday Sees Kenya as a Hub for AI-Powered Customer Engagement
According to Roshaan Kulpoo, Kenya has established itself as one of Africa’s most innovative digital economies, creating a favourable environment for businesses seeking to improve customer engagement.
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He noted that mobile money, digital banking and fintech innovation have transformed customer expectations, making personalised engagement a competitive advantage for businesses.
“Kenya is one of Africa’s most innovative digital economies. Mobile money, digital banking, fintech innovation and rapid smartphone adoption have created an ecosystem where customer engagement has become a key competitive advantage,” he said.
Kulpoo added that Xoxoday plans to leverage both Kenyan and Indian talent to introduce reward and engagement solutions tailored to local market needs.
He also said meaningful rewards can encourage behaviours such as making digital payments instead of using cash, saving regularly, borrowing responsibly, purchasing insurance, accepting digital payments as merchants and maintaining active bank accounts.
How AI-Powered Rewards Can Help Kenyan Businesses Grow
Xoxoday Co-founder Sumit Khandelwal said Kenyan banks are increasingly competing on customer experience rather than financial products alone.
He said Xoxoday’s AI-powered platform can support debit and credit card loyalty programmes, digital onboarding campaigns, customer referral initiatives, merchant-funded offers, savings incentives and personalised promotions.
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Khandelwal added that banks can also use data-driven engagement tools to measure customer participation and improve the effectiveness of their loyalty programmes.
Beyond banking, Vice President Kulpoo said similar engagement models can be adopted across sectors to encourage positive customer behaviour through rewards.
He also said Kenya has demonstrated strong leadership in digital innovation and is well positioned to embrace AI-powered customer engagement.
“Organizations that combine AI, data and meaningful rewards can differentiate themselves by delivering better customer and employee experiences while supporting sustainable growth,” he said.
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A photo of Mr Roshaan Kulpoo, Vice President, Africa, at Xoxoday, at a past event receiving an award for the company in Tanzania. PHOTO/ Xoxoday