Wikipedia

Loyalty program

(Redirected from Loyalty programs)

"Reward website" redirects here. For cashback programs for online shopping, see Cashback website. For incentive programs for employees and dealers, see Incentive program.

A loyalty program or a rewards program is a marketing strategy designed to encourage customers to continue to shop at or use the services of one or more businesses associated with the program.[1]

Various loyalty cards

Single-company vs. coalition programs

edit

Loyalty programs may be either: Single-brand programs, such as Starbucks)

  • Single-corporation programs, such as the joint Gap Inc. program, work at the stores and digital channels of Gap, Banana Republic, Old Navy, and Athleta, which are all owned by Gap Inc.
  • Coalition loyalty programs, provide benefits to customers of multiple otherwise-unrelated businesses.[2] Examples include Rakuten Rewards which, in the U.S. offers cashback at more than 3,500 stores[3] and Air Miles which awards points for purchases from multiple merchants in each market it serves (Canada, The Netherlands, Bahrain, Qatar, and the UAE).[4]
    • Shopping center programs may also be based on a single or chain of shopping centers, such as the Tanger Outlets loyalty programs that can be used at merchants located at its outlet malls.
    • Downtown Olympia, Washington, launched a coalition loyalty program in 2021 for merchants in its downtown shopping district.[5]

In 2020 McKinsey spoke of loyalty program "ecosystems".[6]

Features

edit

How customers provide their account numbers

edit

Physical loyalty cards

edit

A loyalty program typically involves the operator of a particular program setting up an account for a customer of a business associated with the scheme, and then issue to the customer a loyalty card (variously called rewards card, points card, advantage card, club card, or some other name) which may be a plastic or paper card, visually similar to a credit card, that identifies the cardholder as a participant in the program. Cards may have a barcode or magstripe to more easily allow for scanning, although some are chip cards or proximity cards.[7] U.S. supermarkets often issue two copies of the card: one credit-card sized and one that fits on a keychain, in addition to providing access to the card via a mobile app, website.

Digital loyalty cards

edit

As of 2024, most programs in the United States offer a digital version of the loyalty card, accessed via a mobile app, and often customers can scan a QR or bar code from the app at the physical point of sale. Some programs now offer digital cards only or only exceptionally, such as Marks and Spencer's "Sparks" program in the UK launched in 2020 which no longer issues physical cards except upon special request.[8] American Airlines no longer sends membership kits to new members of its frequent flyer program.[9]

Encouraging or forcing customers to use a mobile app to present their loyalty account number, although criticized for being unfriendly to people without smartphones including many elderly people,[8] benefits the merchant in a number of ways. It lets them present special offers to the customer (or even push them via push notifications), tailor customer experience to the individual consumer, and understand customer behavior better, including their purchasing amounts and patterns.[10]

Phone number and other methods

edit

At a physical point of sale, presenting a physical or digital card is not necessary at many U.S. merchants, if the customer enters the phone number associated with the account on a terminal or tells it to a cashier who enters it into the register. When purchasing online, customers usually must log in to the account on the merchant's website. However, when purchasing airline tickets from online travel agencies, customers can usually enter their airline loyalty number into the agency website and the agency will pass it onto the airline.

Points

edit

Programs that feature points grant customers a certain number of points for each purchase, in the US often per $1 or $10 increment of spend. Once they have enough points, clients can redeem them for either:

  • merchandise or services free of charge
  • discounts on merchandise or services
  • gift cards, credit vouchers, etc. to spend with the merchant
  • "cashback", either:
    • money that the program transfers to the customer's account or
    • a paper check that the program mails to the customer

Tiers

edit

Programs with tiers define levels (such as silver, gold, and platinum levels) that customers are upgraded to when they spend enough with the merchant(s), usually over a certain period of time such as a year. For example, Sephora gives 1 point for $1 spent. Once customers earn a specific number of points, they can enter a new level with higher discounts and exclusive products.

Membership fees

edit

In subscription-based programs, customers pay a fee to enjoy the program's benefits, for example Barnes and Noble bookstores charge members about 40 U.S. dollars per year (as of mid-2024) for its "Premium Membership and Rewards" program, which gives members a 10% discount off most merchandise. There is also a free tier which does not offer such discounts but does allow members to collect virtual "stamps" (i.e. loyalty points).[11]

Types of rewards

edit

Depending on the program, rewards may take the form of:

  • merchandise or services free of charge
  • discounts on merchandise or services
  • gift cards, credit vouchers, etc. to spend with the merchant
  • cashback

In addition to rewards, loyalty cards were may also be used identify consumers for benefits and other services, e.g.:

Cashback

edit
Main article: Cashback website

Programs with cashback features give customers a portion of the money that they have spent with a business (usually a defined percent which may be higher than usual during promotions). The "cash back" is rarely actually cash money, but rather takes the form of a transfer of the "cashback" amount to the customer's bank account.

Examples in the U.S. include Rakuten Rewards, a coalition reward program, and many banks that give their clients cash back for using their debit cards to pay for various products and services.

Channels

edit

Depending on the program, ways that consumers may access their loyalty account (account number, promotions, other information) may include:

  • Desktop, mobile, and/or responsive versions of the website(s) for the program and/or of participating merchant(s)
  • Mobile apps for the program or participating merchant(s)
  • At dedicated kiosks, such as in casinos[12]
  • Traditional methods such as:
    • Physical membership cards
    • Paper-based mailings of account statements, promotions, and other information

Mobile apps and websites

edit

There has been a move away from traditional magnetic card, stamp, or punchcard based schemes to online and mobile online loyalty programs. While these schemes vary, the common element is a push toward eradication of a traditional card, in favour of an electronic equivalent. The choice of medium is often a QR code. Some prominent examples are Austrian based mobile-pocket established in 2009, the US-based Punchd (discontinued from June 2013,[13]), which became part of Google in 2011.[14] and an Australian-based loyalty card application called Stamp Me[15] which incorporates iBeacon technology. Others, like Loopy Loyalty (HK), Loyalli (UK), Perka (US), and Whisqr Loyalty (CA), have offered similar programs.[16] Passbook by Apple is the first attempt to standardize the format of mobile loyalty cards.

Offline with mobile device

edit

With the introduction of host card emulation (HCE) and near field communication (NFC) technology for mobile applications, traditional contactless smart cards for prepaid and loyalty programs are emulated in a smartphone. Google Wallet adopted these technologies for mobile off-line payment applications.

The major advantage of off-line over the online system is that the user's smartphone does not have to be online, and the transaction is fast. In addition, multiple emulated cards can be stored in a smartphone to support multi-merchant loyalty programs. Consequently, the user does not need to carry many physical cards anymore.[17][18]

Industries

edit

Today, such loyalty programs cover most types of commerce, each having varying features and rewards schemes, and range from programs of a single-location business to large chains or membership in a coalition loyalty program. Industries include:[19]

  • Retail: Supermarkets, department stores, clothing stores, beauty stores and other specialty shops
  • Travel and Hospitality: Airlines, passenger railways, hotels, car rental and carshare companies
  • Food and Beverage: Restaurants, coffee shops, fast-food chains
  • Financial Services: Banks, credit card companies
  • Telecommunications: Mobile service providers, internet service providers
  • Entertainment: Cinemas, streaming services, theme parks, casinos
  • E-commerce sites/apps and online marketplaces
  • Fitness and Wellness: Gyms, fitness studios, spas etc.
  • Automotive: Car dealerships and service centers

The market approach has shifted from product-centric to a customer-centric one due to a highly competitive market and a wide array of services offered to customers, therefore, it's important that marketing strategies prioritize growing a sustainable business and increasing customer satisfaction.[20]

Casinos

edit

Almost all major U.S. casino chains also have loyalty cards, which offer members tier credits, reward credits, comps, and other perks based on card members' "theo" from gambling, various demographic data, and spend patterns on various purchases at the casino, within the casino network, and with the casino's partners.[21][22] Examples of such programs include Caesars Rewards[23] (formerly called Total Rewards[24]) and MGM Resorts International's Mlife.[25]

Coffee shops

edit

"Disloyalty" cards

edit

As of 2011, some independent coffee shops in Boston, Toronto and London has set up experimental "disloyalty card" programs, which rewarded customers for visiting a variety of coffee shops.[26][27]

By continent and country

edit

Benefits to merchants

edit

Loyalty programs' most important benefit to merchants is that they generate data, which bring more repeat business and therefore increase sales.

Application forms for cards usually entail agreements by the store concerning customer privacy, typically non-disclosure (by the store) of non-aggregate data about customers. The store uses aggregate data internally (and sometimes externally) as part of its marketing research. Over time the data can reveal, for example, a given customer's favorite brand of beer, or whether they are a vegetarian.

As of the mid-2020s, loyalty program trends include:[28]

  • the integration of AI and data analytics into loyalty platforms in order to personalize customer experiences,
  • focusing on emotional connections, and
  • offering personalized rewards that resonate with individual consumer preferences
  • omnichannel experience to drive more interaction i.e. access across multiple physical and digital touchpoints such as in-store, via mail, e-mail, mobile apps, push notifications from the app or via SMS, websites, etc.

Loyalty programs are a means of implementing a type of what economists call a two-part tariff.

Asia

edit

Europe

edit
  • Austria: The two largest loyalty programs in Austria are Payback and mo. JÖ was fully launched in 2019.
  • Finland: The two major retail coalitions with loyalty programs are the S-Group with their S-Etukortti card[53]) and Kesko with K-Plussa (67%).
  • Georgia: Georgia's biggest loyalty card program has been run by Universal Card Corporation since 2010 via UNICARD.
  • Germany: The largest loyalty program is Payback, launched in 2000.[54][55] HappyDigits [de] and the Shell ClubSmart program are next in size.[55] DeutschlandCard [de] was launched by Arvato in 2008. HappyDigits was disbanded by 2010.
  • Hungary: SuperShop and Multipoint are their main loyalty programs.
  • Italy: After the exit of Nectar from the market in 2015, Payback is the most popular loyalty program.[56] Supermarkets Esselunga, Coop and Il Gigante also have loyalty programs.
  • Latvia: One of the largest loyalty programs in Latvia which is working as an operator for many merchants is Pins.[citation needed] Another is Walmoo
  • Norway: The largest Norwegian loyalty program is Trumf. Trumf is a "brick and mortar" loyalty program owned by NorgesGruppen, a grocery wholesaling group in Norway.[57] KickBack.no is one of the largest online loyalty programs and cashback sites in Norway. KickBack.no is owned by Schibsted Media Group.
  • Republic of Ireland: Superquinn introduced its SuperClub loyalty card in 1993, the prototype for Europe. However, loyalty cards did not expand until 1997, when Tesco Ireland introduced its Clubcard scheme, shortly after its purchase of Power Supermarkets. SuperValu introduced their own loyalty club called Real Rewards. Others were:
    • During the late 1990s—Esso petrol program were: Tiger Miles, Maxol, Texaco and Statoil. Increasing oil prices ended these in 2005.
    • Game, a major computer game and hardware retailer, which merged with Electronics Boutique's programme.
    • Rewards From Us To You, a hotel loyalty program
  • Russia: MALINA, "the largest multicorporate customer loyalty program in Russia,"[58] was launched in 2006 by Loyalty Partners Vostok.[59][60] Another is Mnogo.ru.
  • Switzerland: Loyalty programs are popular in Switzerland, with the two main supermarket chains, Migros and Coop prominent. The M-Cumulus card can be used at the Migros supermarkets, Ex Libris, SportXX, and other retailers. The Coop Supercard earns points on purchases at Coop and a variety of other associated stores. Other stores such as Interio, a furniture retailer, are also joining the market with loyalty cards and store-based incentivized credit cards. The only coalition loyalty scheme in Switzerland is Bonus Card with a network of over 300 independent retail partners.[61] In recent years, online loyalty programs have also started to target the Swiss. First to make an offering in Switzerland was German-based Webmiles. Claiming to be Switzerland's first online bonus program, Bonuspoints was launched in early 2008 and offers incentives for shopping at 70 different online stores.
  • Turkey: Pegasus Airlines has a loyalty program called Pegasus Plus which gives rewards for every flight. Passengers can spend reward points as a discount without waiting to cover a full flight. Turkish Airlines has a loyalty program called Miles&Smiles.
  • United Kingdom: Passcard (later renamed Passkey) was in the early 1980s.[62] Sainsbury's Homebase Spend and Save Card was another early 1980s loyalty card.[63] A later program, Tesco's ClubCard, was criticized for not offering value for money.[64] The Economist suggested that the real benefit of loyalty cards to UK outlets is the massive marketing research database potential they offer.[65] Morrisons is another program.[66] Many stores have kiosks that, with the cards, print vouchers that can be used at the till.
    Safeway's ABC Card was discontinued in 2000.[67] Maximiles[68] is an online coalition program.[69]
    Formerly operated by British Airways, Airmiles was rebranded in 2011 from Airmiles to Avios, with changes that caused members to pay taxes and fees on flights they used for redemption.[70]

Co-operative Membership: the Co-op Group offers a 2% (previously 5%) refund to members on Co-op branded products with 2% also going to the cardholder's nominated charity. This is only available in Co-op Group stores. It replaced the dividend benefit previously used. Other Co-op chains continue with the dividend scheme, e.g. Midcounties Co-operative. Many of these accept other Co-operative loyalty cards but generally without the same benefits. For instance Midcounties Co-operative accept Co-operative Group cards but there is no charity donation or cardholder refund.

The Americas

edit
    • The food and beverage industry also has several companies with rewards programs such as Tim Hortons' Tim's Rewards[73]
    • Scene+, a coalition program with participants include Cineplex-owned cinemas, Scotiabank (for spending using its cards), Sobeys grocery stores, Home Hardware , Expedia, Recipe restaurants and Rakuten Rewards.[2][74]
  • United States: In the US, loyalty cards have a long history.[75] Some are only online.[76][77][78] Some partner with classic credit cards.[79][80] Frequent-flyer programs and, less commonly SeaMiles[81] co-exist with programs that donate a percentage of sales to a designated charity.[82] Some American retailers either have not implemented these cards, or eliminated them, in favor of discounts for all shoppers.[83] Few states regulate club cards. As an example, supermarkets in California are subject to the Supermarket Club Card Disclosure Act of 1999.[84]
  • Mexico:
    • Aeroméxico Rewards, formerly Club Premier, a coalition program with participation of Aeromexico airlines and multiple otherwise unrelated retail chains
    • Monedero Naranja (lit. "Orange Wallet"), in which Comercial Mexicana's various supermarket brands La Comer, Fresko and City Market, participate[86]

Oceania

edit

Flybuys is the largest loyalty program in both Australia[87][88][89] and New Zealand.[90]

As virtual currency

edit

Loyalty programs have been described as a form of centralized virtual currency, one with unidirectional cash flow, since reward points can be exchanged into a good or service but not into cash.[94]

Criticism

edit

Evidence for the effectiveness of loyalty programs is controversial. Many companies are unsure whether and how to use customer loyalty programs profitably. Many programs (regardless of location, size, or industry) are run without the appropriate metrics or target parameters.[95]

Some companies complain that loyalty programs discount goods to people who are buying goods anyway.[75] Moreover, the expense of participating in these programs rarely generates a good return on investment. The Forte Consultancy Group regards loyalty programs as bribes.[96] In the case of infrequent spenders, loyalty fees provide a means of subsidizing discounts.

A 2015 study found that most supermarket loyalty cards in the United States do not offer any real value to their customers.[97] Furthermore, commercial use of customers' personal data – collected as part of loyalty programs – has the potential for abuse; it is highly likely that consumer purchases are tracked and used for marketing research to increase the efficiency of marketing and advertising, which is one of the purposes of offering the loyalty card.[98][99] For some customers, participating in a loyalty program (even with a fake or anonymous card) funds activities that violate privacy.[100] Consumers have also expressed concern about the integration of RFID technology into loyalty-card systems.[101]

One may view loyalty and credit-card reward-plans as modern-day examples of kickbacks.[102] Employees who need to buy something (such as an airline flight or a hotel room) for a business trip, but who have discretion to decide which airline or hotel chain to use, have an incentive to choose the payment method that provides the most cash-back,[103] credit-card rewards or loyalty points instead of minimizing costs for their employer.[104]

See also

edit

References

edit
  1. ^ Sharp, Byron; Sharp, Anne (1997), "Loyalty programs and their impact on repeat-purchase loyalty patterns", International Journal of Research in Marketing, 14 (5): 473–486, doi:10.1016/S0167-8116(97)00022-0
  2. ^ a b c "Coalition loyalty programs: how to create an engaging open-loop loyalty program?". www.openloyalty.io. Retrieved 3 July 2024.
  3. ^ "Earn Cash Back". Rakuten. Retrieved 3 July 2024.
  4. ^ "Air Miles Middle East". www.airmilesme.com. Retrieved 3 July 2024.
  5. ^ "Do downtown shopping districts need their own loyalty programs? - RetailWire". 19 August 2021. Retrieved 3 July 2024.
  6. ^ Boudet, Julien (5 March 2020). "Preparing for loyalty's next frontier: Ecosystems | McKinsey". McKinsey. Retrieved 3 July 2024.
  7. ^ "What is a Loyalty Program: Benefits, Types". SendPulse. Retrieved 30 May 2024.
  8. ^ a b Wood, Zoe (3 July 2024). "Sparks fly as M&S says no to a plastic loyalty card". The Guardian. Retrieved 3 July 2024.
  9. ^ Leff, Gary (24 September 2020). "No More American Airlines Elite Membership Cards, But You Can Still Call For Employee Recognition Certs". View from the Wing. Retrieved 3 July 2024.[self-published source?]
  10. ^ Mottl, Judy (3 August 2023). "Tanger Outlets takes digital-first strategy in loyalty program revamp". Retail Customer Experience. Retrieved 3 July 2024.
  11. ^ "Premium Membership and Rewards". Barnes and Noble. Retrieved 3 July 2024.
  12. ^ "Global games and FinTech supplier Everi acquires casino kiosk firm Atrient for US$40 million". IAG. 13 March 2019. Retrieved 3 July 2024.
  13. ^ "Google Kills Punchd Mobile Loyalty Card App". fiercemobilecontent.com. 17 December 2012. Archived from the original on 31 December 2012.
  14. ^ "Google's Punchd acquisition to push mobile wallet uptake". VentureBeat. 12 July 2011.
  15. ^ "Stamp Me app replaces loyalty cards". qsrmedia.com.au. 26 November 2012.
  16. ^ Collinson, Patrick; Lunn, Emma (12 April 2013). "10 Best Money Saving Apps". The Guardian. London.
  17. ^ "Plink".
  18. ^ "Similar companies".
  19. ^ "101 of the best loyalty programs". White Label Loyalty. 25 October 2023. Retrieved 3 July 2024.
  20. ^ Fook, Andy Chin Woon; Dastane, Omkar (June 2021). "Effectiveness of Loyalty Programs in Customer Retention: A Multiple Mediation Analysis". Jindal Journal of Business Research. 10 (1): 7–32. doi:10.1177/22786821211000182. ISSN 2278-6821. S2CID 234771932.
  21. ^ Dow, Natasha (26 January 2012). "Issue 2 Crowds and Clouds » THE TOUCH-POINT COLLECTIVE: CROWD CONTOURING ON THE CASINO FLOOR". Limn.
  22. ^ Long, Emily (6 December 2018). "How Casinos Use Rewards Programs to Track Everything You Do". Lifehacker.
  23. ^ "Caesars Rewards". Caesars.com.
  24. ^ "Total Rewards Card". Las Vegas How To.
  25. ^ "Mlife". MGM Resorts.
  26. ^ Annear, Steve (15 December 2011). "Local coffee shops start 'Disloyalty Card' campaign". Metro. Boston. Archived from the original on 14 January 2012.
  27. ^ Bain, Jennifer (12 April 2010). "Disloyalty has its privileges". Toronto Star. Archived from the original on 17 April 2010.
  28. ^ Clark, Scott (9 May 2024). "The Evolution of Customer Loyalty Programs in the Digital Age". CMSWire. Retrieved 3 July 2024.
  29. ^ 4大共通ポイントカードは”衝撃の進化”を遂げていた...その特長と賢い使い方... テレ東プラス（2021年3月11日閲覧）
  30. ^ "About Octopus Rewards". Octopus Cards Limited. Archived from the original on 5 January 2019. Retrieved 13 March 2018.
  31. ^ MTR Club for regular customers of transport network "MTR Club". MTR Corporation. Archived from the original on 3 August 2020. Retrieved 13 March 2018.
  32. ^ "MoneyBack Celebrates its 10th Anniversary – A.S. Watson Group | A member of CK Hutchison Holdings". A.S. Watson Group. 27 June 2017. Retrieved 13 March 2018.
  33. ^ "The Club rewards HKT Premier customers for their loyalty". South China Morning Post. 22 January 2015. Retrieved 3 February 2020.
  34. ^ "Even More Rewarding Experience for Asia Miles Members". www.asiamiles.com. Archived from the original on 26 January 2021. Retrieved 3 February 2020.
  35. ^ a b "PAYBACK India's bet". Business Standard. 20 July 2011. Retrieved 28 July 2011.
  36. ^ a b "i-mint and PAYBACK team up in India". Colloquy. 17 June 2010. Archived from the original on 13 August 2010. Retrieved 18 June 2010.
  37. ^ "BPCL celebrates PetroBonus 10th anniversary". The Hindu. Chennai, India. 15 October 2009. Archived from the original on 19 October 2009. Retrieved 9 March 2010.
  38. ^ "Indian Oil does a hat-trick at the 3rd loyalty summit". XTRAPOWER. Archived from the original on 2 August 2009. Retrieved 9 March 2010.
  39. ^ "Home – گروه کارتهای اعتباری ایران". Retrieved 22 November 2016.
  40. ^ "گروه کارتهای اعتباری ایران". Retrieved 22 November 2016.
  41. ^ "Programme Partners". Resort World Genting. Genting Malaysia Berhad. Retrieved 3 December 2019.
  42. ^ "List of Discount and Reward Cards in the Philippines". Primer.
  43. ^ "FAQs". SM Advantage. Archived from the original on 27 November 2015.
  44. ^ "FAQS: Rewards". BDO. 28 July 2014.
  45. ^ "Go Rewards Card". Go Rewards.
  46. ^ "Robinsons Rewards Is Now GoRewards". www.gorewards.com.ph. Retrieved 14 June 2021.
  47. ^ "FAQs". HappyPlus.
  48. ^ "GrabRewards - Grab Loyalty Programme | Grab PH".
  49. ^ "FAQs". Mercury Drug.
  50. ^ "GrabRewards – Grab Loyalty Programme". Grab SG. Retrieved 1 January 2021.
  51. ^ "SAFRA home page". SAFRA. Retrieved 1 January 2021.
  52. ^ "Plus! home page". plus.com.sg. Retrieved 1 January 2021.
  53. ^ "Etukortit Suomessa". Helsingin Sanomat. 25 September 2014. Archived from the original on 18 October 2017. Retrieved 26 September 2014.
  54. ^ "PAYBACK: Facts & Figures". Archived from the original on 4 November 2016. Retrieved 2 November 2016.
  55. ^ a b "Studien". Loyalty Partner. Archived from the original on 14 February 2008. Retrieved 15 May 2008.
  56. ^ Focus, Global Convenience Store (1 February 2021). "Principles, Promises and Challenges of Coalition Loyalty | Global C Store Focus". www.globalconveniencestorefocus.co.uk. Retrieved 22 January 2024.
  57. ^ Nesset, Erik; et al. "Building chain loyalty in grocery retailing by means of loyalty programs–A study of 'the Norwegian case'". Journal of Retailing and Consumer Services.
  58. ^ "MALINA program increases customer loyalty with Oracle". Archived from the original on 26 September 2020. Retrieved 30 August 2020.
  59. ^ "The loyalty program "MALINA"".
  60. ^ "Raiffeisenbank launches Malina loyalty credit card". 23 October 2006.
  61. ^ Finaccord List of Global Loyalty Programs. Archived 22 November 2018 at the Wayback Machine Retrieved 1 March 2016
  62. ^ "Reward for young Scots businessman". The Herald. 29 August 1989. Retrieved 19 July 2020.
  63. ^ Smithers, Rebecca (26 July 2012). "How loyal to your reward cards are you?". The Guardian. Retrieved 22 November 2016.
  64. ^ "A trip to Alton Towers? That'll be £2,000, please". The Independent. 13 August 2005.
  65. ^ "How Tesco is changing Britain". The Economist. 4 August 2005. Retrieved 25 July 2007.
  66. ^ "Morrisons Miles – Morrisons". Archived from the original on 13 December 2012.
  67. ^ "Safeway scraps loyalty card". BBC News. 5 May 2000. Retrieved 25 July 2007.
  68. ^ "Maximiles acquires ipoints to create Europe's no. 1 online coalition loyalty company". E-consultancy. 19 July 2006. Archived from the original on 20 October 2006. Retrieved 19 July 2006.
  69. ^ "Brochure" (PDF). Maximiles Group. Archived from the original (PDF) on 15 February 2010. Retrieved 17 August 2010.
  70. ^ O'Reilly, Lara (2 September 2011). "Avios rebrand causes backlash for AirMiles company". Marketing Week. Retrieved 10 December 2015.
  71. ^ "#368: Coalition Loyalty - Dotz Brazil Celebrates 50 Million Members". The Wise Marketer. 19 April 2023. Retrieved 3 July 2024.
  72. ^ the company gives out coupons which look like currency "Canadian Tire Money loyalty program". CanadaLoyalty.com. Retrieved 23 November 2007.
  73. ^ Tims Rewards: https://www.timhortons.ca/timsrewards
  74. ^ Nuttall, Jeremy (8 September 2023). "Loyalty has its price. More companies partner-up with reward card programs as cash-strapped customers hunt for deals". Toronto Star. Retrieved 3 July 2024.
  75. ^ a b Taylor, Wayne; Hollenbeck, Brett (2021). "Leveraging Loyalty Programs Using Competitor Based Targeting". Quantitative Marketing and Economics. 19 (3–4): 417–455. doi:10.1007/s11129-021-09237-y. S2CID 108298338. SSRN 3353432.
  76. ^ "101 Free Money Making Apps". FrugalForLess.com. Retrieved 7 November 2017.
  77. ^ "FiveStars gets-50m-to-help-small-retailers-run-loyalty-programs-like-their-bigger-rivals". Techcrunch. Archived from the original on 23 January 2016. Retrieved 22 January 2016.
  78. ^ Geron, Tomio (14 December 2011). "Belly Targets Paper Punch Card With iPad-Based Loyalty Service". Forbes.
  79. ^ "Foursquare And Amex Launching Big Partnership Next Week at SXSW". Business Insider. Retrieved 22 November 2016.
  80. ^ Wasserman, Todd (21 November 2011). "Shopkick and Visa to Offer Retail Store Purchase Rewards". Mashable. Retrieved 22 November 2016.
  81. ^ "Article". Los Angeles Times. 14 July 2008. Archived from the original on 6 October 2012. Retrieved 5 February 2015.
  82. ^ "Shop Through iGive.com". animalalliancenyc.org. Retrieved 22 November 2016.
  83. ^ "Disloyalty Movement". TIME. 11 July 2013.
  84. ^ "Supermarket Club Card Disclosure Act of 1999". FindLaw. Retrieved 25 July 2007.
  85. ^ Smith, Geoff (August 2016). "How Coalition Loyalty Programs can Excel". Ad Age. Retrieved 3 July 2024.
  86. ^ "¿Qué es Monedero Naranja?". La Comer. Retrieved 3 July 2024.
  87. ^ "And the best loyalty program goes to... Coles". B & T. 20 May 2013. Archived from the original on 9 June 2013. Retrieved 20 May 2013.
  88. ^ Flybuys (Australia) Speedy, Blair (17 February 2011). "Coles supermarket to overhaul FlyBuys scheme". The Australian. Retrieved 27 February 2011.
  89. ^ "Australia: FlyBuys launches iPhone App". Colloquy. 29 June 2010. Archived from the original on 29 July 2010. Retrieved 17 August 2010.
  90. ^ Flybuys (New Zealand) "NZ's biggest loyalty programme gets pumped with fuel discounts| Z". z.co.nz. Z Energy. Retrieved 9 January 2018.
  91. ^ "Woolworths reports solid profits". Australian Food News. 26 August 2010. Retrieved 27 August 2010.
  92. ^ Smith, Sean (30 June 2023). "Wesfarmers Health fast-tracks growth to $40 billion bounty". The West Australian. Retrieved 30 August 2023.
  93. ^ "Brazin's Pulse goes over the 1 million mark". The Wise Marketer. 25 September 2006. Archived from the original on 3 March 2016. Retrieved 25 July 2007.
  94. ^ European Central Bank (October 2012). "1" (PDF). Virtual Currency Schemes. Frankfurt am Main: European Central Bank. p. 5. ISBN 978-92-899-0862-7. Retrieved 5 March 2014.
  95. ^ Meili, Alexander (2022). "Loyalty Program Assessment. KPI-Based Evaluation of Customer Loyalty Programs". HWZ Working Paper Series. doi:10.5281/zenodo.6521984.
  96. ^ "Designing Best-in-Class Loyalty Programs – Getting the Benefits Right". White Paper. Forte Consultancy. Retrieved 28 April 2019. Loyalty program benefits are, in their essence, a bribe. In exchange for a set of benefits, a consumer allows the company to give those benefits to track his or her purchasing behavior.
  97. ^ "Discover the Best and Worst Loyalty Programs with Our New Infographic". Weekly Ads and Circulars. Retrieved 3 September 2015. The reality is, not all loyalty rewards programs actually add value. Some programs only exist to draw you in and tempt you away from competitors that could actually offer you a better deal. The worst? It turns out that just about any supermarket chain will offer you nothing but bad deals.
  98. ^ "How do companies use my loyalty card data?". BBC News. 21 March 2018.
  99. ^ Taylor, Wayne; Hollenbeck, Brett (2021). "Leveraging Loyalty Programs Using Competitor Based Targeting". SMU Cox School of Business Research Paper No. 19-10. SSRN 3353432.
  100. ^ Albrecht, Katherine. "Why getting a shopper card under a fake name is not the answer". Consumers Against Supermarket Privacy Invasion And Numbering. Archived from the original on 19 October 2007. Retrieved 23 November 2007.
  101. ^ Blau, John (1 March 2004). "Metro Store bows to pressure from anti-RFID activists". InfoWorld. Archived from the original on 12 March 2004. Retrieved 23 November 2007. Ahead of a planned demonstration on Saturday, Metro AG decided to drop the use of RFID tags in customer loyalty cards used at its Extra Future Store supermarket in Rheinberg, Germany, where the retail group is testing several new IT retail technologies, Metro company spokesman Albrecht von Truchsess said Monday.
  102. ^ Compare: Gup, Benton E. (1990). Bank Fraud: Exposing the Hidden Threat to Financial Institutions. Rolling Meadows, Illinois: Bankers Publishing Company. p. 85. ISBN 9781555201678. Retrieved 10 January 2021. [...] kickback and credit card schemes that are relatively small by themselves, but collectively qualify as major frauds.
  103. ^ Kowalik, Frank (1991). IRS Humbug: IRS Weapons of Enslavement. Oakland Park, Florida: Universalistic Publishers. p. 46. ISBN 9780962655203. Retrieved 10 January 2021. Among other terms used for kickbacks are sales incentive, cash back, coupon sales, commissions, and discounts.
  104. ^ Shugan, Steve (2005). "Brand Loyalty Programs: Are They Shams?". Marketing Science. 24 (2): 185–193. doi:10.1287/mksc.1050.0124.
Retrieved from "https://en.wikipedia.org/w/index.php?title=Loyalty_program&oldid=1257928524"