Thanks to technology’s continued advance, consumers are more product-aware today than at any point in history. Before an in-store or online purchase is made, they’ve done their research, they know what they want and they’re reluctant to compromise. Armed with smartphone in hand, the same research and purchases can be done on the go, too.

However, the mere offering of a reward card is no longer enough to engage consumers; what matters most is if the reward card simply and directly aids in the consumer shopping....

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