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Comarch User Group 26

By Keynote speaker

Six things the world’s best loyalty minds are talking about right now

I’ve been in Kraków this week, on stage at the Comarch User Group 26 with Paula Thomas and Nyeleti Nyeleti Sue-Angel Nkuna from the Let’s Talk Loyalty team. Paula is presenting her research on the world’s largest loyalty programmes. I am sharing the best stories on data, engagement and personalisation from the brands we have had the privilege of interviewing on Let’s Talk Loyalty and Loyalty TV.

Two days in, six things stand out. Not as trends to file away, but as strategic imperatives for anyone running a loyalty programme right now.

1. AI is the revolution. But human connection is still the product.

There is no ignoring it. 42% of the most complex questions put to AI are now answerable by it. China is deploying AI faster and at lower cost than anywhere else in the world. The pace is extraordinary.

But here is what the most experienced practitioners in this room keep coming back to: AI should power the background of your loyalty programme, not the front. The technology should make your programme faster, smarter, and more precise. The experience your customer has should feel like a human being who understands them, not an algorithm that has profiled them. Seamless, insightful, and genuinely personal. That is the balance the industry is working hard to get right.

2. Emotional loyalty is not a nice-to-have. It is the differentiator.

The programmes that consumers genuinely value, the ones they would fight to keep if forced to choose, are not the ones with the highest earn rate or the most features. They are the ones that create a real emotional connection.

Our own Truth and BrandMapp Loyalty Whitepaper, now in its tenth edition, confirms this in the South African market. 85% of South Africans actively use loyalty programmes. The average member is enrolled in 10.4. But usage is not the same as loyalty. The question every programme manager should be asking is not how many members they have. It is how many of those members would genuinely miss them. We gain insight into this sentiment in the whitepaper when we reveal which loyalty programme can you not live without. This is a true indicator of emotional loyalty.

3. Customer lifetime value requires courage.

Several presentations at Comarch made the same point from different angles: the industry is still too focused on short-term metrics. This year’s campaign results. This quarter’s redemption cost.

The brands that are winning long-term have made a deliberate choice to focus on customer lifetime value instead. That often means driving a higher redemption rate, investing more in retention, and resisting the pressure to optimise for this year’s numbers at the expense of next year’s relationships. It requires courage at a leadership level. But the data on customer lifetime value makes the case clearly, and the brands that have made this shift are reaping the rewards.

4. Loyalty data should serve the customer, not just the business.

It was confirmed repeatedly across the presentations: a loyalty programme is the most effective customer-focused mechanism for gathering meaningful data. But the question is what you do with it.
A simple example shared was e.l.f. Cosmetics. On registration, they ask members a detailed set of questions about their skincare, their age, their preferences. Not to build a targeting database. To immediately start serving that customer better. The data informs the brand experience from day one. That distinction, using data to serve rather than simply to sell, is what separates programmes that build genuine loyalty from those that merely track behaviour.

5. Authenticity is a strategy, not just a sentiment.

One of the most powerful insights highlighting loyalty authenticity came from HomePro in Thailand. Their loyalty programme incentivises members to recycle old appliances, fridges, microwaves, items that would otherwise become toxic waste. The result: 6,000 vans of appliances recycled, the equivalent of planting two million trees.

This is not a box-ticking exercise in corporate do-gooding. It is a loyalty mechanic that connects members to something they genuinely care about, rewards them for doing the right thing, and creates a relationship between the brand and the customer that goes well beyond a transaction. It is one of the clearest examples I have seen of what authentic loyalty design looks like in practice.

6. At the top tier, status beats points every time.

For your highest-value customers, the conversation about points and cashback becomes increasingly irrelevant. What they want is recognition. Access. Experiences that cannot be bought.

The conference explored how top-tier customers are emotionally connected to their status, but sometimes not necessarily to the brand that granted it. Status match programmes, where a customer can transfer their top-tier standing from one brand to another, particularly common in airlines, illustrate this clearly. Customers will follow their status. The implication for programme design is significant: if you want to retain your best customers, you need to offer them something that status alone cannot replicate. That means invitation-only access, genuine personalisation, and experiences that make them feel known, not just ranked.

Closing thought

The theme connecting all six of these points is the same one that runs through our Truth and BrandMapp research: the loyalty industry has matured past acquisition. The work now is about depth, not breadth. About building programmes that earn a permanent place in someone’s life, not just a slot in their wallet.

Fuel rewards in South Africa

By Interviews, News

Fuel rewards in South Africa: what the data tells us about a sector that got serious about loyalty

You pull into a petrol station. You haul out your cards. You know there are loyalty programmes attached to your fuel, your bank, maybe your grocery retailer. But which ones work here, in what combination, and are you actually getting the best return? For most South Africans, that question does not have a clear answer.

The question Stephen Grootes put to me on 702’s The Money Show this week was a fair one: are all these fuel loyalty programmes actually helping motorists, or is the value so layered and complex that most people are leaving it on the table?

The short answer: the value is real. But it requires a bit of intention.

Why this conversation is happening now

Fuel prices are going up. That is the blunt reality. And what our 2025/6 Truth and BrandMapp Loyalty Whitepaper shows, based on research across more than 30,000 South Africans, is that consumers are responding to that pressure by leaning harder on loyalty programmes as a practical financial tool.

28% of South Africans say they will use loyalty programmes more specifically to help get through the cost of living crisis. And in the fuel category, that intention is already showing up in behaviour: 45% of South Africans now say the loyalty programme on offer influences which fuel station they choose, making it the second most influential factor after location.

A few years ago, fuel loyalty barely registered as a consumer consideration. Today, if two petrol stations are equidistant from your home or your office, the loyalty programme is very likely the deciding factor.

The base offers, and where the real value sits

At the forecourt level, base fuel rewards across the main programmes range from 15 to 30 cents per litre. That is meaningful on its own, particularly over a year of weekly fill-ups. But it is the partnership layer where the numbers get genuinely interesting.

On The Money Show I described what is sometimes called triple dipping. Fill up at bp, swipe your BP Rewards card, swipe your Pick n Pay Smart Shopper card, and pay with your Nedbank card. Do all three and the combined return can reach 55 cents per litre from a single transaction. No special effort. Just knowing which cards to carry.

Layer in your bank’s programme at the top tier and the returns go higher still. FNB eBucks members at the highest engagement level earn R4 per litre on fuel. Meet the additional behavioural requirements the programme sets and that doubles to R8 per litre. Tactically, eBucks have just announced a further boost taking this to a potential R12 per litre saving until end of June 2026. For a household filling up weekly, that is not a small number over the course of a year.

Absa has also recently moved: their Absa Rewards programme was offering up to 30% cashback on fuel for qualifying customers, and they lifted the monthly spend cap from R3,000 to R5,000, specifically acknowledging that fuel simply costs more now and the old cap was no longer appropriate. That kind of programme evolution in direct response to the economic environment is exactly what loyalty in a cost-of-living crisis should look like.

The broader loyalty picture

Fuel does not sit in isolation. It is part of a loyalty landscape that our whitepaper tracks across retail, financial services, restaurants, travel, telco, and entertainment.

A few numbers worth keeping in mind:

  • 85% of economically active South Africans are actively using loyalty programmes, up from 82% in 2024.
  • The average South African is actively using 10.4 loyalty programmes.
  • Cashback is the number one preferred loyalty benefit across every demographic segment: income, age, and gender.
  • Fuel loyalty ranks third in terms of how significantly loyalty programmes influence consumer behaviour overall, behind grocery shopping and banking.

That third-place ranking is significant. Grocery and banking have had years of established, high-frequency loyalty infrastructure. Fuel is moving up fast.

The whitepaper

The data in this piece comes from the 2025/6 Truth and BrandMapp Loyalty Whitepaper, our tenth annual edition, produced in partnership with WhyFive Insights. It covers loyalty programme usage, consumer sentiment, preferred benefits, and programme rankings across every major sector in South Africa.

The Money Show: “Why brands turn to Amanda Cromhout for loyalty programmes?”

By Interviews, Media Host

The Money Show, hosted by award-winning journalist Stephen Grootes, brings together leading thinkers, business leaders and newsmakers to explore the economic and commercial forces shaping our world.

In this episode, Stephen Grootes speaks to Amanda Cromhout, Founder and CEO of Truth. In this insightful conversation, Amanda unpacks how brands can design smarter loyalty architectures, optimise customer lifetime value, and turn customer data into measurable revenue and retention outcomes.

Listen in for sharp insights on loyalty, strategy and the future of customer value. 

Whitepaper 2025/6

By Academic Director

Truth & BrandMapp Loyalty Whitepaper 2025/6: A Decade of South African Consumer Loyalty Insights

The Truth & BrandMapp Loyalty Whitepaper 2025/6 marks the tenth edition of South Africa’s most comprehensive study of loyalty behaviour — and with it, a decade-long view of how consumers engage with loyalty programmes in a mature and globally respected market.

Over ten years, this whitepaper has become the definitive barometer of loyalty in South Africa. There is no other study in the local market that unpacks the landscape with this depth, scale and longitudinal consistency.

Drawing on insights from over 30,000 economically active South African adults (gross monthly household income of R10,000 or more), combined with 6,000 mass market consumers earning below R10,000 per month, the research collectively represents the loyalty behaviours of more than 23 million South Africans.

85% of South Africans use loyalty programmes

Loyalty participation remains firmly entrenched in South African consumer behaviour, with 85% of South Africans actively using loyalty programmes — up from 82% the previous year.

While growth has moderated compared to earlier expansionary years, usage remains robust and stable — signalling a mature loyalty market.

Most-used programmes in 2025

  • Checkers Xtra Savings regains the position of most-used loyalty programme for the second time, reflecting a 3-percentage-point year-on-year increase and narrowly edging ahead of Clicks ClubCard.
  • In financial services, FNB eBucks retains its leadership position among economically active consumers.
  • Within the QSR and restaurant category, Spur Family Card remains the most-used programme.
  • Among mass market consumers, Capitec Live Better leads financial services loyalty adoption.
  • When asked which programme they “can’t live without,” Discovery Vitality ranks highest among economically active consumers, while Capitec holds that position in the mass market.

South Africa: a globally recognised mature loyalty market

Over the past decade, loyalty usage in South Africa has grown both in penetration and depth. The average number of programmes used per consumer has increased from 4.6 in 2015 to 10.4 in 2025 — a 228% increase in programme participation over ten years.

Amanda Cromhout, CEO of Truth, comments:

“South Africa is a mature loyalty market and one that is closely watched by the rest of the world. South African loyalty programmes are recognised globally for their sophistication and innovation. The growth in programme participation over the past decade reflects both consumer demand and brands investing in delivering meaningful value.”

Loyalty is no longer a ‘nice to have’

In 2026, loyalty has shifted from optional benefits to financial necessity for consumers.

Cashback remains highly valued, but the research shows that consumers increasingly rely on loyalty benefits and partnerships to manage household budgets and offset rising living costs. Programme choice is now influenced as much by ecosystem value and partner relevance as by earn-and-burn mechanics.

Cromhout adds:

“Like never before, consumers not only like cashback — they need the financial support from loyalty programmes. It is more evident each year how critical loyalty programmes have become in the daily lives of South African consumers, particularly as they navigate ongoing cost-of-living pressures.”

Preferred engagement: the card endures

Understanding how consumers prefer to identify themselves remains crucial to programme design. Despite rapid digital transformation, physical card swiping continues to outperform self-identification or app-based alternatives.

Interestingly, this mirrors trends seen in other mature loyalty markets such as the UK, Canada and Australia — reinforcing that digital maturity does not automatically eliminate traditional behaviours.

Access the full whitepaper

To view the full Truth & BrandMapp Loyalty Whitepaper 2025/6, visit: www.truth.co.za

The 100-episode milestone: lessons from the global loyalty industry

By Uncategorized

The 100 milestone episode:

Over the course of these conversations, I have had the privilege of speaking with some of the most experienced and respected voices in the global loyalty industry. Guests have included airline executives, research specialists, programme designers, technology leaders, customer strategists and senior practitioners working at the forefront of loyalty.

What has emerged is more than a series of interviews. These 100 episodes have created a valuable record of how loyalty is changing, what continues to matter, and where the industry is moving next.

The message from the global loyalty industry is clear: loyalty is not simply about points. It is about commercial performance, customer understanding, emotional connection, operational consistency and the intelligent use of technology.

The Blind Loyalty Challenge is a global loyalty podcast created to explore what truly drives customer loyalty beyond points, discounts and rewards.

Through the series, I speak to leading loyalty practitioners, programme owners, airline executives, researchers, data specialists, technology innovators and customer strategy experts from around the world.

Each conversations is conducted with no foresight of the questions i.e blindly. The Blind Loyalty Challenge supports the Blind Loyalty Trust and is structured around my loyalty industry handbook Blind Loyalty, 101 Loyalty concepts radically simplified. 

The structure gives me the opportunity to examine how loyalty programmes are designed, measured, optimised and sustained in real business environments.

The podcast focuses on the issues shaping the future of loyalty, including customer data, profitability, emotional loyalty, programme design, partnerships, AI, gamification, customer trust and operational reliability.

These are the key themes that have defined the first 100 episodes of the Blind Loyalty Challenge.

1. Data remains the foundation of loyalty

One of the strongest recurring themes has been the central role of data.

Successful loyalty programmes are not built on assumptions. They are built on a clear understanding of customer behaviour, commercial objectives and measurable outcomes.

Lisa Brightwell of Bright Insights Consulting made this point clearly. Before a brand implements programme mechanics, it must understand what it is measuring and establish a baseline. Without that baseline, it becomes difficult to know whether the programme is shifting behaviour, improving performance or creating meaningful customer value.

Data is not simply a reporting tool. It is the foundation of programme design, optimisation and long-term decision-making.

The conversation around measurement is also becoming more commercially mature. Engagement, active rate and purchase frequency all matter, but they cannot be viewed in isolation.

Jim Umberger made a strong case for profitability as a critical measure of loyalty success. A programme must create value for members, but it must also be financially sustainable for the business.

Benjamin Lipsey of Air France-KLM added another important layer to this discussion by highlighting the role of indirect revenue, particularly in the airline industry. This reflects a broader shift in how loyalty value is understood. The most sophisticated programmes are no longer viewed only through direct transactional measures. They are viewed as strategic value drivers across the business.

The lesson is clear: loyalty must be measurable, commercially grounded and accountable.

2. Technology must serve a clear purpose

Artificial intelligence is now a dominant topic in loyalty, but the strongest insights from the podcast have not focused on hype. They have focused on practical application.

Kim Hardaker of Riyadh Air highlighted robotic process automation as one of the most useful applications of AI for loyalty teams. Faster transaction processing, real-time rewards and improved operational accuracy can have a direct impact on the member experience.

This is where technology becomes meaningful. Customers do not judge a programme by whether it uses the latest technology. They judge it by whether the experience works.

Do their points reflect correctly?

Can they access their rewards easily?

Is the process immediate, relevant and reliable?

These are the details that shape trust.

Lisa Brightwell also shared the example of Kinder World, Kinder’s augmented reality activation, as a strong example of technology being used to enhance the customer experience in a more immersive way.

Technology has an important role to play in loyalty, but only when it improves the experience, removes friction or creates genuine relevance. Technology for its own sake is not a strategy.

3. Emotional loyalty is still central

The technical and commercial elements of loyalty are essential, but they are not enough on their own.

Emotional loyalty remains one of the most important themes across the 100 episodes.

Nyeleti Sue-Angel Nkuna reminded us that repeated broken promises erode trust quickly. Once trust is damaged, loyalty becomes difficult to rebuild.

That connection is powerful, but it is also fragile.

This is an important reminder for every loyalty programme. A programme can have strong mechanics, attractive rewards and sophisticated technology, but if the customer experience is inconsistent or the brand does not deliver on its promises, loyalty will weaken.

Emotional loyalty is also not created only through external customer communication. It starts inside the business.

Nokwanda Khumalo of BP Southern Africa made this point clearly. Winning the hearts of staff is not a once-off pre-launch activity. It requires ongoing internal commitment.

This was especially meaningful for us at Truth. We were privileged to be an integral part of the BP Rewards programme design and launch in South Africa, and we saw how important internal alignment is to external programme success.

A loyalty programme must be understood, believed in and supported by the people who deliver it.

4. Programme design determines long-term success

The structure of a loyalty programme matters.

The design choices made at the beginning have a long-term impact on member behaviour, commercial performance and programme relevance.

Onboarding is one of the clearest examples. Programmes such as Joe & The Juice show how important it is for members to understand the value proposition immediately. The first interaction should be simple, clear and rewarding.

If a customer joins a programme and does not understand what to do next, the opportunity is quickly weakened.

Tiers are another important design consideration. The travel sector continues to offer some of the strongest examples of tiered loyalty, with Hilton Honors often referenced as a programme that uses status effectively.

But tiers only work when they offer meaningful value. A tier structure that looks good on paper, but does not provide tangible benefits, will not sustain member interest.

Status without substance is not loyalty.

Partnerships are also becoming more strategic. The strongest partnerships are complementary, relevant and embedded naturally into the customer’s life.

Sephora remains a strong example of partnership relevance within a broader loyalty ecosystem.

One of the most valuable conversations in the first 100 episodes was with Dr Nejib Ben-Kheder, whose insights into Emirates Skywards demonstrated how partnerships can become a major driver of loyalty programme success when they are designed with clear strategic intent.

Strong loyalty design is not about adding more features. It is about making every part of the programme work with purpose.

5. Gamification must be used responsibly

Gamification continues to be a powerful loyalty tool when used well.

Nokwanda Khumalo captured this neatly when she said there is a child in all of us. People respond to progress, challenge, recognition and reward.

Duolingo’s streak mechanics remain one of the clearest examples of gamification driving daily engagement through a simple and visible behavioural loop.

But gamification also requires responsibility.

Fernando Jimenez raised an important caution around the ethical use of these mechanics. As gamification becomes more sophisticated, brands need to be careful about how they design for engagement.

The goal should be to encourage positive participation, not to manipulate behaviour.

Trust remains the most important asset in loyalty. No engagement mechanic is worth damaging that trust.

6. Reliability is the basis of lasting loyalty

Surprise and delight has its place in loyalty. When used well, it can create memorable moments.

But one of the strongest conclusions from these 100 episodes is that lasting loyalty is built through reliability.

Benjamin Lipsey made this point clearly in the context of travel. Customers need confidence that a programme will deliver consistently. Benefits must be accessible. Rewards must work. Promises must be kept.

Reliability is not a secondary consideration. It is central to loyalty.

Customers return to brands they can trust. They disengage from brands that disappoint them repeatedly.

Looking ahead to the next 100 episodes

The first 100 episodes of the Blind Loyalty Challenge have reinforced an important point: loyalty is becoming more disciplined, more strategic and more commercially accountable.

The strongest programmes are not built around isolated rewards. They are built around a clear understanding of customer behaviour, a strong commercial model, meaningful emotional connection and consistent delivery.

The future of loyalty will belong to brands that can combine intelligent technology with genuine human relevance.

Marketing Indaba 2026

By Keynote speaker

Data is no longer optional. It is the foundation of growth.

The smartest businesses are doing three things right now:

  1. They are using customer data more effectively.
  2. They are investing in CRM to get closer to their customers.
  3. And they are using AI for efficiency, accuracy, speed, and quality, not just content creation.

But none of this matters without a clear goal.

Retention is still the golden arrow.
It is what extends customer lifetime value and builds stronger, more valuable relationships over time.

That is why customer centricity matters so much.
When you truly understand your customer, you can make better strategic decisions, create more relevance, and grow beyond the next transaction.

This is how real loyalty is built.

Loyalty Whitepaper 2025/6

By Uncategorized

South Africa is not new to loyalty.

It is one of the most mature loyalty markets in the world.

And this year marks the 10th edition of the Truth and BrandMapp Loyalty Whitepaper.

But here is what matters most.

Consumers are not just joining loyalty programmes anymore.

They are relying on them.

Our latest whitepaper shows that 85% of economically active South Africans use loyalty programmes, and the average South African now actively uses 10.4 different programmes.

That tells us something important.

This is no longer just about acquisition.

It is about optimisation.

In a market this mature, the real opportunity is not simply getting more members in. It is creating more value for the customers you already have, earning more share of wallet, and building stronger emotional connection.

Consumers want real value.

They want simplicity.

And they want cashback, which remains the most preferred loyalty benefit.

If you work in loyalty, retail, banking, fuel, or customer strategy, this whitepaper is essential reading.

Download

Hyderabad, India. Loyalty Juggernaut’s Client Advisory Board (CAB).

By Keynote speaker

Hyderabad, India. Loyalty Juggernaut’s Client Advisory Board (CAB).

Following my previous keynote on innovation and trends, I delivered a keynote this year on the efficacy of loyalty when it is simplified.

Simplification is not a nice-to-have. It is the difference between a loyalty programme that looks busy and one that drives incrementality.

Here is what that means in practice:

  • Fix the offer first
    If the brand proposition is weak, loyalty cannot rescue it. Loyalty should amplify what already works. Data cannot compensate for a weak proposition. It can only help you scale what is already good.

  • Stop managing averages
    Averages hide the truth. Data is only useful when you look at segments and the variance between them. That is where personalisation becomes real.

  • Prove incrementality
    “Members do more than non-members” is often self-selection. Use your data to measure the lift your programme actually causes, not the correlation you wish was true.

  • Build customer centricity around lifetime value
    Customer lifetime value changes enterprise decisions. When you use data to manage to lifetime value, you stop chasing short-term sales targets and start building repeat behaviour.

It is a reminder that loyalty’s real value is emotional connection, but you do not get it from slogans. You get it from authentic moments that customers actually feel.

The Blind Loyalty Trust is an example of how the loyalty industry can come together to support my mission to reverse unnecessary blindness.

If we believe loyalty is about people, not mechanics, then this is one place we can make it real. One bracelet, one keynote, one book, and one redemption into Blind Loyalty Trust at a time.

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The quiet power of top-tier loyalty

By Uncategorized

I was recently invited by Rob Pope, GM of Customer at Myer, to experience MYER one from the inside, specifically how they recognise and reward their top tier customers in Platinum.

Two moments stood out because they show what loyalty looks like when it is genuinely earned.

Platinum at the Australian Open

For three days, Platinum members were welcomed as VIPs in a way that went far beyond tickets. The detail and hosting were the point: simple, well-run, and genuinely enjoyable. You could see the care in how people were looked after, and I also had the chance to speak to members directly about what Platinum means to them. On a personal note, I grew up watching tennis, so seeing Pat Cash there was a reminder of how memorable the right experience can be.

Keys to the Store

Myer’s “Keys to the Store” experience is a private evening for Platinum members, where the store closes and a member can host a group of their choice. What makes it exceptional is the relevance: the team uses customer insight to curate the evening around real preferences, sizing, and brands, supported by personal shoppers. There is no pressure to buy, yet the experience naturally drives engagement because it feels effortless and personal.

MYER one was a reminder of what loyalty can achieve when it is treated as customer strategy, not a points mechanic. When a brand uses data to deliver genuinely considered experiences, customers do not just stay, retention follows and brand advocacy begins.

How to Use Customer Data Analysis to Drive Revenue

By Data strategy

Customer data analysis is one of the most important capabilities a business can develop, yet I see many teams collecting data without knowing how to interpret it or turn it into action.

In this video, I explain how I approach customer data analysis in a practical, structured way. Drawing on more than 30 years of experience working with global brands and growing businesses, I show you how to analyse your customer data, identify your most valuable customers, and use insight to drive retention and revenue.

In this video, I cover:

  • How I analyse customer data to understand customer value

  • Why frequency is often a stronger signal than transaction size

  • How customer segmentation helps you focus on the customers that drive growth

  • Why a small percentage of customers usually contribute a disproportionate share of revenue

  • How to turn customer data analysis into decisions and action, not just reporting

  • Why behaviour is the foundation of customer loyalty

Whether you work with hundreds of customers or millions, customer data analysis helps you move beyond gut feel and start making decisions based on behaviour, patterns, and value.

If you are not analysing customer data properly, you are likely missing early signals of disengagement, churn, and growth opportunities.

If you want a clear, step-by-step way to apply this thinking in your own business, you can access my data playbook via the link in the description.

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