They say nothing in life is certain except death and taxes, but when it comes down to it there is another certainty: people like rewards.

The gift with purchase concept is not new, obviously. Stores have long since used it as a promotional tool and credit cards run rewards programs. Now, in the era of FinTech and eCommerce, the system is getting an amazing makeover. This is great news for those of us who want to be rewarded without shouldering the burden of credit card fees.

Drop is one company set to turn the reward system on its head. Aimed at millennials, the app lets users earn points based on how much money they spend at participating stores, then earn rewards they can use towards gift cards to various retailers.

Named as one of Canada’s most innovative companies in 2016 by the Canadian Innovation Exchange, the company quickly took off in Canada and is now set to conquer the U.S. this year.

Zero is another company set to conquer the market by offering its clientele rewards. Depending on their card level (Quartz, Graphite, Magnesium or Carbon), users can earn 1-3% cash back on their purchases. As well, users can track their progress on the Zero app, giving them better oversight of their finances. Making banking easy and rewarding, Zero is sure to be received well by the masses.

FinTech is bringing in a better financial system in every way, and the fact that they are even improving the rewards system is the cherry on top of a very decadent sundae. Put the final nail in the coffin of the big banks, as there is no way they will be able to topple the FinTech revolution.