Launching a loyalty program is hard. Launching a program when all of your competitors already have one is harder. Loyalty is a well-established marketing discipline that has saturated almost every consumer sector. In fact, brands that do not offer a program often stand out more than those that do. The benefits of a program are obvious: Increasing brand affinity, driving incrementality, and collecting one-to-one transactional data all allow marketers to be smarter, less reactive, and more....

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