Computerworld - https://www.computerworld.com/article/3269533/mobile-wireless/has-a-uk-company-figured-out-how-to-fix-the-loyalty-problem-with-its-mobile-banking-app.html#tk.rss_all
One of the longest-running retail problems involves loyalty points and gift cards and the fact that shoppers tend to either forget about them or find them too much of a hassle to redeem. An unredeemed reward is one that offers no incentives and changes no behavior. Gift card exchange sites were an attempt to address the problem, but shoppers still find the effort too great.
A mobile program in the U.K. called Flux takes an interesting approach, one where shoppers are instantly (well, within a few seconds) given the cash value of a reward through a direct deposit to the shopper’s