How Mimojo Streamlined Finance Operations and Brought Structure to High-Volume Cashback Workflows with OCTA

About Mimojo

Mimojo is a UAE-based card-linked cashback platform that automatically rewards users for everyday spending. By integrating directly with Visa and Mastercard, Mimojo enables customers to earn real cashback at 1,000+ partner outlets without vouchers, points, or manual redemption. Users simply link their cards and receive cashback automatically, while merchants benefit from increased engagement and repeat spending. Headquartered in Dubai, Mimojo is redefining loyalty in the region through a frictionless, technology-first rewards experience.

Key Results

• 70+ Hours Saved — Monthly hours automated
• 0 New Hires — Scaled without adding headcount
• 27% DSO Reduction — Faster payment cycles

High-Volume Follow-Ups and Month-Start Invoice Distribution at Scale

• Payment Follow-Ups at Extreme Scale: Mimojo manages thousands of merchants and a very high volume of transactions. Following up on delays, confirmations, and exceptions consumed a disproportionate amount of the finance team's time
• Inconsistent Follow-Ups: Follow-ups were inconsistent across merchants, with the team spending hours every day tracking outstanding payments
• Month-Start Invoice Distribution: At the start of every month, Mimojo issues new invoices to its entire merchant base. Distributing these invoices manually took 3 business days of focused finance effort
• Scaling Bottleneck: As Mimojo grew, manual finance operations could not keep pace with transaction volume, creating a recurring operational burden

The volume was the real problem. At Mimojo's scale, manual follow-ups simply don't work—and they start to break your finance team.

OCTA's AI Agents Powering Mimojo's Finance Operations

Follow-Up Agent: Automated, Intelligent Payment Chasing at Scale

OCTA's Follow-Up Agent automated payment follow-ups across Mimojo's entire merchant base. Instead of manual tracking and outreach, the agent continuously monitors invoice status and triggers follow-ups automatically based on predefined rules and real-time signals. This ensured consistent follow-ups across thousands of merchants, faster response cycles without manual effort, and reduced dependency on finance teams to chase payments.

Invoice Dispatch Agent: Automatic Detection and Mass Distribution

At the start of the month, Mimojo issues new invoices to thousands of merchants. OCTA's Invoice Dispatch Agent automatically identifies newly issued invoices the moment they appear and dispatches them at scale—without manual uploads, tracking, or coordination. What was previously a weeks-long manual effort became a fully automated, background process.

AI Monitoring & Communication Agent: Exception Handling Without Noise

OCTA's AI Monitoring Agent continuously tracks all invoice activity and merchant communications across the lifecycle—from invoice dispatch to payment confirmation. When an exception occurs, the AI flags the issue in real time, automatically creates a task with full context, and routes it to the right team member. OCTA's centralized Communication Module ensures all interactions happen in one place, eliminating the need to switch between inboxes, spreadsheets, or external tools.

Reporting Agent: Full Visibility into AR Communications

OCTA's Reporting Agent gives Mimojo full visibility into accounts receivable communications. The team can track follow-up activity and outcomes, communication timelines, bottlenecks and delays, and overall effectiveness of AR outreach. This allowed Mimojo to move from reactive finance operations to data-driven optimization, improving both efficiency and cash cycles.

Microsoft Dynamics 365 × OCTA: Enterprise Integration Without the Complexity

OCTA's pre-built Microsoft Dynamics 365 integration allowed Mimojo to connect in under 5 minutes, sync invoices and payment status without custom development, and go live without IT-heavy involvement or long testing cycles. Once connected, OCTA automatically stays in sync with Dynamics—new and updated invoices flow seamlessly, payment status remains aligned across systems, and no manual reconciliation or data re-entry is required.

What Mimojo Says

At Mimojo's scale, finance can't rely on manual follow-ups or ad-hoc processes. OCTA gave us the structure and automation we needed to manage high-volume payments and invoice distribution without adding headcount. It fundamentally changed how we operate.

— Dan, CFO, Mimojo

The volume was the real problem. We were spending an unreasonable amount of time chasing payments and manually sending invoices to thousands of merchants. At that scale, manual follow-ups simply don't work—and they start to break your finance team.

— Fayis Nazar, Finance Associate, Mimojo

OCTA's AI agents fundamentally changed how our finance operations run. Follow-ups, invoice dispatch, monitoring, and communication now happen automatically at scale. The system surfaces only real exceptions, keeps every interaction centralized, and gives us full visibility across AR. Our team is no longer managing volume — we're managing outcomes.

— Shubhaib, Finance Controller, Mimojo

We've integrated multiple finance tools with Microsoft Dynamics before, and it's rarely simple. OCTA was different. The pre-built integration took minutes, not weeks, and worked seamlessly from day one.

— Insha Ahmed, Finance Associate, Mimojo

OCTA gave us something every finance leader wants but rarely gets: scale without chaos. From AI-driven follow-ups and invoice dispatch to real-time monitoring, centralized communication, and a seamless Dynamics integration, OCTA turned a highly complex, high-volume finance operation into a system that runs with control, speed, and confidence.

— Dan, CFO, Mimojo