Loyalty programs have been incredibly enduring — from that very first American Airlines frequent flyer program in 1981 to the Starbucks Card Rewards program nearly 30 years later. The average U.S. household now takes part in 21.9 loyalty programs every year, according to Colloquy research. Yet mobile is shaking up the traditional loyalty model, just as it’s shaken up so many other things. The mobile phone has become the remote control for life, and we’re using it to change....

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