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Khem Chand

Hi, I’m Khem, Loyalty Strategist at Novus Loyalty, helping brands grow with API-first loyalty platforms and data-driven engagement.

India https://www.novus-loyalty.com/ 2 posts

Cashback vs Points: What Really Makes Your Wallet Smile?

Cashback vs Points: What Really Makes Your Wallet Smile?

Have you ever found yourself tearing open a credit card statement and thinking, “Wait, what did I really earn from all of this?” You’re not alone. In the world

Khem Chand

10 Mar 2026 · 4 min read

The Silent Member Exit Crisis: How Smart Credit Unions Are Winning Loyalty Before It’s Too Late

The Silent Member Exit Crisis: How Smart Credit Unions Are Winning Loyalty Before It’s Too Late

Let’s be honest. Most members don’t walk into a credit union one day and announce they’re leaving. They just slowly disengage. Fewer transactions. Lower balances. Eventually, the

Khem Chand

23 Feb 2026 · 3 min read