🧪 Open Loyalty AI Labs: From challenge to prototype in weeks
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Since 2016, Borrowell has changed the Canadian financial landscape as the first company in the country to offer credit scores for free.
A decade later, more than 4 million Canadians - one in nine adults - trust Borrowell to help them understand and grow their credit, through free credit monitoring, personalized recommendations, and credit-building tools.
Checking a credit score, though, has long been a once-a-month habit. Borrowell wanted to change that, turning occasional visitors into engaged members who return often and stay on top of their finances.
That's why in 2026 Borrowell launched its first loyalty program, powered by Open Loyalty.
The program is designed around a simple idea: reward the everyday habits that matter most, both to members and to Borrowell.
By recognizing engagement - logins, activity, and participation - the program encourages members to check in more often, stay on top of their finances, and get rewarded along the way.
It's an approach that keeps members active and engaged over time.
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Just as important, Borrowell's marketing team builds, schedules, and measures campaigns directly in Open Loyalty, giving them the freedom to experiment and scale without engineering support.
With this flexible foundation in place, Borrowell is ready to grow its program across the full member journey in the phases ahead.
Open Loyalty is proud to support Borrowell in helping millions of Canadians build healthier financial habits, and get rewarded along the way.
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Borrowell is one of Canada's largest personal finance platforms. Since 2016, it has helped more than 4 million Canadians access free credit scores, monitor their credit, and grow it with tools like Credit Builder and Rent Advantage.
Borrowell wanted to turn credit-score checking from a once-a-month habit into regular engagement. Its first loyalty program rewards members for staying active and taking part, giving them a reason to return often.
Borrowell built an engagement-based loyalty program that rewards members for everyday activity rather than for spending alone. It uses points, rewards, and gamification - such as streaks, quizzes, and prize draws - to turn regular engagement into a rewarding habit.
The program is for Borrowell's members - the more than 4 million Canadians who use the platform to check, monitor, and grow their credit. It's designed to reward people for staying engaged with their finances over time.
With Open Loyalty, Borrowell can use a wide range of loyalty mechanics - points, rewards, streaks, quizzes, prize draws, and referrals - to reward member engagement. Its marketing team can launch and measure new campaigns on its own, without engineering support.
Borrowell built its first loyalty program on Open Loyalty, a headless loyalty and gamification platform. Borrowell's marketing team runs campaigns directly in Open Loyalty, without engineering support.
