Abstract: A system for integrating payment, insurance, and loyalty program services into a single platform is disclosed. The system includes a plurality of processors interfacing with a plurality of memory units; a channels module configured to run on one or more processors and to interface with a plurality of customer devices through a network; an interaction management module configured to run on the one or more processors and interface with the channels module to provide insurance products and services from an insurance provider to customers using the plurality of customer devices; a consumer management module configured to run on the processor and interface with the channels module and interaction management module, wherein the consumer management module includes a loyalty card functionality configured to store value for a customer and apply that value to interactions with the insurance provider through an application running on the customer device.