Raise your hand if you have a wallet bursting with so-called “customer loyalty” cards. You likely have one for each supermarket, your favourite coffee chain, and maybe for the bookstore. With some brands upgrading to an app, you probably also have a smartphone screen full of their colourful icons. But how often do those loyalty schemes actually influence you to make a purchase? More importantly, do they keep you loyal to the brand?

The problem with most loyalty programmes is...