inside the payment flow across terminals, softPOS, ePOS, and online checkouts. This enables real-time reward activation, frictionless customer experiences, and measurable uplift in repeat spend and basket size. Powered by OiyAi, Oiyaa’s proprietary AI engine, the platform orchestrates value-adds at scale, creating a unified Single Customer View and enabling the next wave of intelligent, agentic commerce. Part of the J.P. Morgan FinTech Forward programme, Oiyaa empowers small and mid-sized businesses with enterprise-grade loyalty tools, while providing acquirers and issuers with new revenue streams through embedded engagement. Oiyaa is building the global value-add infrastructure shaping the future of everyday commerce.