It’s no secret that across the globe a massive shake up is happening with retail loyalty programmes. An average household is a member of 29 different loyalty schemes, that’s 29 potential cards. As I look at my desk I have 5 different coffee cards, some of them the same, why? Because every time I go out for a coffee I forget them/can’t be bothered. I mean, come on guys, do you really think a free coffee is going to make me come into your shop over the 20 or so I have within walking distance?