“U.S. internet users belong to more than 13 loyalty programs, on average, according to brand loyalty data analyzed by eMarketer. But only 50% of users are active members.” 1

In Retail, few issues differentiate the winners from the losers more clearly than successful loyalty and rewards programs. Perennial winners at Retail loyalty programs, such as Kroger and Nordstrom’s, build their entire business model around leveraging loyalty data to meet and exceed the needs of loyal (and