The very idea of a loyalty program assumes that customers will stick around for a while. While few marketers, save perhaps for mortgage lenders, are considering what customers will be like 20 years down the road, there are trends today which will shape the business environment of tomorrow, according to Kelly Hlavinka, managing partner at Colloquy.
Such predictions come with caveats. Short-range disruptive trends are harder to predict, so accept that Hlavinka won
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