Retailers are squandering time, energy, and investment on outdated loyalty models that don’t work. According to a recent Accenture survey, 78 percent of U.S. consumers are retracting from loyalty programs. Most of that withdrawal can be attributed to customers flocking to the most evolved programs that are more aligned to their expectations and needs. While that benefits a select few, for most retailers, that means a shrinking customer base, less lifetime value and....

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