The document discusses how business and customer behavior has changed in recent years due to increased connectivity, globalization, and competition. It notes that customers and employees are increasingly interacting online and turning to trusted sources for advice. It then focuses on loyalty and rewards programs, discussing trends such as opting-in for rewards in exchange for personal information, the growth of mobile programs and apps, and the use of location data and social media analytics. It emphasizes making programs easy to use and leveraging multiple data sources.