Value
Generation

Based on information technology, brand value and knowledge, the Multiplus business model encompasses four sources of earnings, according to the image shown below.

1. Spread: difference between the sale price of points and the cost to redeem them
2. Income from float revenue:  yields from financial investments made using positive cash flow
3. Breakage: points issued that are not redeemed and, accordingly, do not generate costs
4. Loyalty marketing services: Prismah activities developing, implementing and managing individual loyalty programs