There is no argument that one of the places that loyalty programs got their start was in Europe, and more precisely in the U.K., where grocery store giant Tesco approached marketing gurus Edwina Dunn and Clive Humby about converting their “green stamp” program into something a tad more sophisticated. That was in 1994, and of course, Tesco went on to see sales dramatically increase with its Clubcard. Dunn and Humby and their agency — dunnhumby — went on to specialize in loyalty programs globally, even setting up....

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