SPC Card and Conversion are proud to announce the release of the second annual “Pulse of the Canadian Student Shopper” study.
With 1 million+ cardholders aged 14-24 per year,
SPC Card - Canada’s leading student loyalty program, enjoys robust and privileged access to young Canadian shoppers.
The second annual survey was fielded in September, 2012 and has derived a robust sample size of 1440 young Canadian shoppers aged 14-24.
The study provides unprecedented access to, and of-the-moment perspective on, the volatile, influential and lucrative student consumer market in Canada. To match the evolving focus points of the industry writ large a major focus of this year’s study has been on the shifting expectations young Canadian shoppers have of loyalty programs.
Many UK retailers are beginning to experience the positive impact on their bottom line of signing up to open loop, multi-store prepaid gift card schemes, allowing consumers the opportunity to redeem their gift in a huge variety of stores nationwide.
This report explores the tangible benefits for retailers of signing up to a multi-store gift card scheme.
Rewards and benefits can be used to not only increase brand loyalty and encourage repeat custom, but also to inspire action. This is not limited to the workplace.
Consumer-facing businesses around the UK are increasingly making use of rewards and incentives to win their custom.
Here at One4all Rewards, inspiring action through rewards and gifts is our business, and as such we wanted to investigate just how many businesses are now making use of this form of marketing and how consumers really respond to it.
We have commissioned a survey of 1,004 British consumers to lift the lid on B2C incentive marketing.
We hope you find the results insightful.
Many UK retailers are beginning to experience the positive impact on their bottom line of signing up to open loop, multi-store prepaid gift card schemes, allowing consumers the opportunity to redeem their gift in a huge variety of stores nationwide.
This report explores the tangible benefits for retailers of signing up to a multi-store gift card scheme.
Rewards and benefits can be used to not only increase brand loyalty and encourage repeat custom, but also to inspire action. This is not limited to the workplace.
Consumer-facing businesses around the UK are increasingly making use of rewards and incentives to win their custom.
Here at One4all Rewards, inspiring action through rewards and gifts is our business, and as such we wanted to investigate just how many businesses are now making use of this form of marketing and how consumers really respond to it.
We have commissioned a survey of 1,004 British consumers to lift the lid on B2C incentive marketing.
We hope you find the results insightful.
Behavioral loyalty is at the core of most loyalty programs today. Customers make a purchase or provide information in exchange for a reward. This is as valuable today as ever, but it’s also no longer enough. In addition to rewarding customers for transactions and information, companies also need to reward customers for interactions—specifically, social interactions that translate to engagement and advocacy. In other words, organizations must find creative ways to use their loyalty programs to foster attitudinal loyalty; to build and capitalize on the emotional connections engaged customers have with their preferred brands.
This presentation discusses the benefits and drawbacks of rewarding customers for such behaviors and transactions and information sharing, as well as the challenges and opportunities of rewarding customers for actions that show genuine engagement and advocacy. It also examines the competitive advantage companies can create by building a loyalty program that rewards customers for all three, as well as how to do so
Factors influencing consumers's purchasing intention toward online group buyi...Tu Thai
In order to give description and measurement of the factors influencing consumers’ purchasing intention toward online group buying, this study tries to identify and measure the factors from not only economic perspective, e.g. price related factors, but also other perspectives such as network effect, conformity, trust, etc.
Life insurers are missing out on a big opportunity by failing to properly address the 18-24 year old segment of the market. These customers are low risk, they offer high life-time value, and they are open to interacting through digital channels.
Why true digital transformation must take place across the entire banking ent...Epsilon Marketing
In the global omnichannel world we live in today, financial institutions are hindered by their disparate and siloed systems.
The rise of online banking has produced a massive shift in the way people engage with their money, bill paying, and most importantly, their banks. Today’s consumer is connected more or less 7x24x365 via mobile devices and WiFi in their cars. Banking and insurance companies are struggling to shape their online and digital engagement to match the expectations and desires of the consumers. They need to transform so that they can better understand their consumers.
With this focus on digital transformation, the financial institutions must focus on producing an enterprise-wide solution that enables the business to find, engage, convert, cultivate and expand their relationships efficiently.
Join us as we explain how organizations are successfully transitioning to enterprise-wide digital transformation.
Three companies are using the web and the most advanced technologies to disrupt loyalty programs. How will internet, software-as-a-service (Saas), blockchain, predictive technologies, mobile beacons, NFC, reshape the loyalty and rewards programs into the new Fintech era?
Loyalty Programs are going mobile. This presentation lays out some of the reasons why we're seeing a shift in Loyalty to mobile, and the best way businesses can take advantage of it.
Fixing the Cracks: Reinventing Loyalty Programs for the Digital AgeCapgemini
Launching a loyalty program is expensive and it’s complex. In the US alone, companies spend a staggering $2 billion on loyalty programs every year. But does this translate into increased customer engagement? Research suggests the answer is “probably not”. The average household in the US has over 21 loyalty program memberships. But, the household only actively uses 44% of these. More than half of consumers in a 2013 survey admitted they had abandoned at least one loyalty program in the past year. Our own analysis of customer sentiment on social media revealed pronounced dissatisfaction. Almost 90% of social media sentiment on loyalty programs was negative.
We assessed loyalty programs on a number of parameters. These included their central objective, their use of digital channels, and their ability to provide a seamless experience across channels (more detail on the approach is at the end of this paper). We found, in short, that companies have a lot of catching up to do. 97% of loyalty programs rely on transactional rewards, i.e. a customer makes a purchase and takes their points in exchange for gifts, merchandise or cash. The issue is that 77% of those transaction-based programs actually fail in the first two years. According to our research, only 25% of loyalty programs reward customers for some form of engagement. Where loyalty programs are also lacking is advanced personalization: only 11% of loyalty programs offer personalized rewards based on a customer’s purchase history or location data.
This research highlights why organizations need to think beyond points and how they can implement well-designed, engagement-based loyalty programs.
Behavioral loyalty is at the core of most loyalty programs today. Customers make a purchase or provide information in exchange for a reward. This is as valuable today as ever, but it’s also no longer enough. In addition to rewarding customers for transactions and information, companies also need to reward customers for interactions—specifically, social interactions that translate to engagement and advocacy. In other words, organizations must find creative ways to use their loyalty programs to foster attitudinal loyalty; to build and capitalize on the emotional connections engaged customers have with their preferred brands.
This presentation discusses the benefits and drawbacks of rewarding customers for such behaviors and transactions and information sharing, as well as the challenges and opportunities of rewarding customers for actions that show genuine engagement and advocacy. It also examines the competitive advantage companies can create by building a loyalty program that rewards customers for all three, as well as how to do so
Factors influencing consumers's purchasing intention toward online group buyi...Tu Thai
In order to give description and measurement of the factors influencing consumers’ purchasing intention toward online group buying, this study tries to identify and measure the factors from not only economic perspective, e.g. price related factors, but also other perspectives such as network effect, conformity, trust, etc.
Life insurers are missing out on a big opportunity by failing to properly address the 18-24 year old segment of the market. These customers are low risk, they offer high life-time value, and they are open to interacting through digital channels.
Why true digital transformation must take place across the entire banking ent...Epsilon Marketing
In the global omnichannel world we live in today, financial institutions are hindered by their disparate and siloed systems.
The rise of online banking has produced a massive shift in the way people engage with their money, bill paying, and most importantly, their banks. Today’s consumer is connected more or less 7x24x365 via mobile devices and WiFi in their cars. Banking and insurance companies are struggling to shape their online and digital engagement to match the expectations and desires of the consumers. They need to transform so that they can better understand their consumers.
With this focus on digital transformation, the financial institutions must focus on producing an enterprise-wide solution that enables the business to find, engage, convert, cultivate and expand their relationships efficiently.
Join us as we explain how organizations are successfully transitioning to enterprise-wide digital transformation.
Three companies are using the web and the most advanced technologies to disrupt loyalty programs. How will internet, software-as-a-service (Saas), blockchain, predictive technologies, mobile beacons, NFC, reshape the loyalty and rewards programs into the new Fintech era?
Loyalty Programs are going mobile. This presentation lays out some of the reasons why we're seeing a shift in Loyalty to mobile, and the best way businesses can take advantage of it.
Fixing the Cracks: Reinventing Loyalty Programs for the Digital AgeCapgemini
Launching a loyalty program is expensive and it’s complex. In the US alone, companies spend a staggering $2 billion on loyalty programs every year. But does this translate into increased customer engagement? Research suggests the answer is “probably not”. The average household in the US has over 21 loyalty program memberships. But, the household only actively uses 44% of these. More than half of consumers in a 2013 survey admitted they had abandoned at least one loyalty program in the past year. Our own analysis of customer sentiment on social media revealed pronounced dissatisfaction. Almost 90% of social media sentiment on loyalty programs was negative.
We assessed loyalty programs on a number of parameters. These included their central objective, their use of digital channels, and their ability to provide a seamless experience across channels (more detail on the approach is at the end of this paper). We found, in short, that companies have a lot of catching up to do. 97% of loyalty programs rely on transactional rewards, i.e. a customer makes a purchase and takes their points in exchange for gifts, merchandise or cash. The issue is that 77% of those transaction-based programs actually fail in the first two years. According to our research, only 25% of loyalty programs reward customers for some form of engagement. Where loyalty programs are also lacking is advanced personalization: only 11% of loyalty programs offer personalized rewards based on a customer’s purchase history or location data.
This research highlights why organizations need to think beyond points and how they can implement well-designed, engagement-based loyalty programs.
The study "For Love or Money 2013 Consumer Study into Australian Loyalty Programs" surveyed over 1000 Australian consumers and found 88% of those aged over 16 belong to a loyalty progam.
http://www.chrispattas.com/business/2013/5/29/do-consumers-buy-more-from-a-business-with-a-loyalty-program
All rights belong to: www.directivity.com.au & www.citrus.com.au
Vietnam is in the top of the country in the world having the fastest growing population of ultra rich individuals. This leads to a blooming consumption. The modern trade therefore thrives.
The competition among retail chains is very tough. All the retail brands take measures to engage their customers, retain and drive repeat purchases. A loyalty program is one of a most useful tool to manage the customer database and increase the engagement with the brand.
The research was conducted to have a better understand of the loyalty program usage. It surveyed 260 shoppers at modern retail chains, from 15 to 60 years old nationwide.
A Consumer's Path To Savings: The Role Of Flyers In Today's Digital WorldAdam Bellisario
This paper aims to identify how flyer formats interact with one another – whether they are competitive or complementary – and share how retailers and manufacturers can best use them to engage with shoppers. Brands can use this information to be
equipped to navigate the changing space of consumer media and ensure their flyer and coupon programs are optimized for maximum impact and efficiency.
Innovation: Earning More Rewards on Every PurchaseAlexander Cohen
My presentation for the co-brand credit card conference in Atlanta, May 2017. Had the opportunity to talk to a great group of people about engagement with loyalty programs and how to stay competitive in a changing reward landscape.
Here is the 2018 summary report for LoyalT, the most complete study on loyalty program performance in Canada.
You will discover
- The methodology
- The possession and usage rate for loyalty programs in Canada
- The importance of personalized offers
- Mobile App usage
- The impact of a program on purchase frequency and concentration
- Millenials and how they use loyalty programs
- Top 10 programs in Canada
A personalized report for every program analyzed is also available. Please contact us at info@r3marketing.ca for more details.
As a film director, I have always been awestruck by the magic of animation. Animation, a medium once considered solely for the amusement of children, has undergone a significant transformation over the years. Its evolution from a rudimentary form of entertainment to a sophisticated form of storytelling has stirred my creativity and expanded my vision, offering limitless possibilities in the realm of cinematic storytelling.
From Slave to Scourge: The Existential Choice of Django Unchained. The Philos...Rodney Thomas Jr
#SSAPhilosophy #DjangoUnchained #DjangoFreeman #ExistentialPhilosophy #Freedom #Identity #Justice #Courage #Rebellion #Transformation
Welcome to SSA Philosophy, your ultimate destination for diving deep into the profound philosophies of iconic characters from video games, movies, and TV shows. In this episode, we explore the powerful journey and existential philosophy of Django Freeman from Quentin Tarantino’s masterful film, "Django Unchained," in our video titled, "From Slave to Scourge: The Existential Choice of Django Unchained. The Philosophy of Django Freeman!"
From Slave to Scourge: The Existential Choice of Django Unchained – The Philosophy of Django Freeman!
Join me as we delve into the existential philosophy of Django Freeman, uncovering the profound lessons and timeless wisdom his character offers. Through his story, we find inspiration in the power of choice, the quest for justice, and the courage to defy oppression. Django Freeman’s philosophy is a testament to the human spirit’s unyielding drive for freedom and justice.
Don’t forget to like, comment, and subscribe to SSA Philosophy for more in-depth explorations of the philosophies behind your favorite characters. Hit the notification bell to stay updated on our latest videos. Let’s discover the principles that shape these icons and the profound lessons they offer.
Django Freeman’s story is one of the most compelling narratives of transformation and empowerment in cinema. A former slave turned relentless bounty hunter, Django’s journey is not just a physical liberation but an existential quest for identity, justice, and retribution. This video delves into the core philosophical elements that define Django’s character and the profound choices he makes throughout his journey.
Link to video: https://youtu.be/GszqrXk38qk
Skeem Saam in June 2024 available on ForumIsaac More
Monday, June 3, 2024 - Episode 241: Sergeant Rathebe nabs a top scammer in Turfloop. Meikie is furious at her uncle's reaction to the truth about Ntswaki.
Tuesday, June 4, 2024 - Episode 242: Babeile uncovers the truth behind Rathebe’s latest actions. Leeto's announcement shocks his employees, and Ntswaki’s ordeal haunts her family.
Wednesday, June 5, 2024 - Episode 243: Rathebe blocks Babeile from investigating further. Melita warns Eunice to stay clear of Mr. Kgomo.
Thursday, June 6, 2024 - Episode 244: Tbose surrenders to the police while an intruder meddles in his affairs. Rathebe's secret mission faces a setback.
Friday, June 7, 2024 - Episode 245: Rathebe’s antics reach Kganyago. Tbose dodges a bullet, but a nightmare looms. Mr. Kgomo accuses Melita of witchcraft.
Monday, June 10, 2024 - Episode 246: Ntswaki struggles on her first day back at school. Babeile is stunned by Rathebe’s romance with Bullet Mabuza.
Tuesday, June 11, 2024 - Episode 247: An unexpected turn halts Rathebe’s investigation. The press discovers Mr. Kgomo’s affair with a young employee.
Wednesday, June 12, 2024 - Episode 248: Rathebe chases a criminal, resorting to gunfire. Turf High is rife with tension and transfer threats.
Thursday, June 13, 2024 - Episode 249: Rathebe traps Kganyago. John warns Toby to stop harassing Ntswaki.
Friday, June 14, 2024 - Episode 250: Babeile is cleared to investigate Rathebe. Melita gains Mr. Kgomo’s trust, and Jacobeth devises a financial solution.
Monday, June 17, 2024 - Episode 251: Rathebe feels the pressure as Babeile closes in. Mr. Kgomo and Eunice clash. Jacobeth risks her safety in pursuit of Kganyago.
Tuesday, June 18, 2024 - Episode 252: Bullet Mabuza retaliates against Jacobeth. Pitsi inadvertently reveals his parents’ plans. Nkosi is shocked by Khwezi’s decision on LJ’s future.
Wednesday, June 19, 2024 - Episode 253: Jacobeth is ensnared in deceit. Evelyn is stressed over Toby’s case, and Letetswe reveals shocking academic results.
Thursday, June 20, 2024 - Episode 254: Elizabeth learns Jacobeth is in Mpumalanga. Kganyago's past is exposed, and Lehasa discovers his son is in KZN.
Friday, June 21, 2024 - Episode 255: Elizabeth confirms Jacobeth’s dubious activities in Mpumalanga. Rathebe lies about her relationship with Bullet, and Jacobeth faces theft accusations.
Monday, June 24, 2024 - Episode 256: Rathebe spies on Kganyago. Lehasa plans to retrieve his son from KZN, fearing what awaits.
Tuesday, June 25, 2024 - Episode 257: MaNtuli fears for Kwaito’s safety in Mpumalanga. Mr. Kgomo and Melita reconcile.
Wednesday, June 26, 2024 - Episode 258: Kganyago makes a bold escape. Elizabeth receives a shocking message from Kwaito. Mrs. Khoza defends her husband against scam accusations.
Thursday, June 27, 2024 - Episode 259: Babeile's skillful arrest changes the game. Tbose and Kwaito face a hostage crisis.
Friday, June 28, 2024 - Episode 260: Two women face the reality of being scammed. Turf is rocked by breaking
Meet Crazyjamjam - A TikTok Sensation | Blog EternalBlog Eternal
Crazyjamjam, the TikTok star everyone's talking about! Uncover her secrets to success, viral trends, and more in this exclusive feature on Blog Eternal.
Source: https://blogeternal.com/celebrity/crazyjamjam-leaks/
Scandal! Teasers June 2024 on etv Forum.co.zaIsaac More
Monday, 3 June 2024
Episode 47
A friend is compelled to expose a manipulative scheme to prevent another from making a grave mistake. In a frantic bid to save Jojo, Phakamile agrees to a meeting that unbeknownst to her, will seal her fate.
Tuesday, 4 June 2024
Episode 48
A mother, with her son's best interests at heart, finds him unready to heed her advice. Motshabi finds herself in an unmanageable situation, sinking fast like in quicksand.
Wednesday, 5 June 2024
Episode 49
A woman fabricates a diabolical lie to cover up an indiscretion. Overwhelmed by guilt, she makes a spontaneous confession that could be devastating to another heart.
Thursday, 6 June 2024
Episode 50
Linda unwittingly discloses damning information. Nhlamulo and Vuvu try to guide their friend towards the right decision.
Friday, 7 June 2024
Episode 51
Jojo's life continues to spiral out of control. Dintle weaves a web of lies to conceal that she is not as successful as everyone believes.
Monday, 10 June 2024
Episode 52
A heated confrontation between lovers leads to a devastating admission of guilt. Dintle's desperation takes a new turn, leaving her with dwindling options.
Tuesday, 11 June 2024
Episode 53
Unable to resort to violence, Taps issues a verbal threat, leaving Mdala unsettled. A sister must explain her life choices to regain her brother's trust.
Wednesday, 12 June 2024
Episode 54
Winnie makes a very troubling discovery. Taps follows through on his threat, leaving a woman reeling. Layla, oblivious to the truth, offers an incentive.
Thursday, 13 June 2024
Episode 55
A nosy relative arrives just in time to thwart a man's fatal decision. Dintle manipulates Khanyi to tug at Mo's heartstrings and get what she wants.
Friday, 14 June 2024
Episode 56
Tlhogi is shocked by Mdala's reaction following the revelation of their indiscretion. Jojo is in disbelief when the punishment for his crime is revealed.
Monday, 17 June 2024
Episode 57
A woman reprimands another to stay in her lane, leading to a damning revelation. A man decides to leave his broken life behind.
Tuesday, 18 June 2024
Episode 58
Nhlamulo learns that due to his actions, his worst fears have come true. Caiphus' extravagant promises to suppliers get him into trouble with Ndu.
Wednesday, 19 June 2024
Episode 59
A woman manages to kill two birds with one stone. Business doom looms over Chillax. A sobering incident makes a woman realize how far she's fallen.
Thursday, 20 June 2024
Episode 60
Taps' offer to help Nhlamulo comes with hidden motives. Caiphus' new ideas for Chillax have MaHilda excited. A blast from the past recognizes Dintle, not for her newfound fame.
Friday, 21 June 2024
Episode 61
Taps is hungry for revenge and finds a rope to hang Mdala with. Chillax's new job opportunity elicits mixed reactions from the public. Roommates' initial meeting starts off on the wrong foot.
Monday, 24 June 2024
Episode 62
Taps seizes new information and recruits someone on the inside. Mary's new job
Hollywood Actress - The 250 hottest galleryZsolt Nemeth
Hollywood Actress amazon album eminent worldwide media, female-singer, actresses, alhletina-woman, 250 collection.
Highest and photoreal-print exclusive testament PC collage.
Focused television virtuality crime, novel.
The sheer afterlife of the work is activism-like hollywood-actresses point com.
173 Illustrate, 250 gallery, 154 blog, 120 TV serie logo, 17 TV president logo, 183 active hyperlink.
HD AI face enhancement 384 page plus Bowker ISBN, Congress LLCL or US Copyright.
In the vast landscape of cinema, stories have been told, retold, and reimagined in countless ways. At the heart of this narrative evolution lies the concept of a "remake". A successful remake allows us to revisit cherished tales through a fresh lens, often reflecting a different era's perspective or harnessing the power of advanced technology. Yet, the question remains, what makes a remake successful? Today, we will delve deeper into this subject, identifying the key ingredients that contribute to the success of a remake.
From the Editor's Desk: 115th Father's day Celebration - When we see Father's day in Hindu context, Nanda Baba is the most vivid figure which comes to the mind. Nanda Baba who was the foster father of Lord Krishna is known to provide love, care and affection to Lord Krishna and Balarama along with his wife Yashoda; Letter’s to the Editor: Mother's Day - Mother is a precious life for their children. Mother is life breath for her children. Mother's lap is the world happiness whose debt can never be paid.
Are the X-Men Marvel or DC An In-Depth Exploration.pdfXtreame HDTV
The world of comic books is vast and filled with iconic characters, gripping storylines, and legendary rivalries. Among the most famous groups of superheroes are the X-Men. Created in the early 1960s, the X-Men have become a cultural phenomenon, featuring in comics, animated series, and blockbuster movies. A common question among newcomers to the comic book world is: Are the X-Men Marvel or DC? This article delves into the history, creators, and significant moments of the X-Men to provide a comprehensive answer.
Maximizing Your Streaming Experience with XCIPTV- Tips for 2024.pdfXtreame HDTV
In today’s digital age, streaming services have become an integral part of our entertainment lives. Among the myriad of options available, XCIPTV stands out as a premier choice for those seeking seamless, high-quality streaming. This comprehensive guide will delve into the features, benefits, and user experience of XCIPTV, illustrating why it is a top contender in the IPTV industry.
Tom Selleck Net Worth: A Comprehensive Analysisgreendigital
Over several decades, Tom Selleck, a name synonymous with charisma. From his iconic role as Thomas Magnum in the television series "Magnum, P.I." to his enduring presence in "Blue Bloods," Selleck has captivated audiences with his versatility and charm. As a result, "Tom Selleck net worth" has become a topic of great interest among fans. and financial enthusiasts alike. This article delves deep into Tom Selleck's wealth, exploring his career, assets, endorsements. and business ventures that contribute to his impressive economic standing.
Follow us on: Pinterest
Early Life and Career Beginnings
The Foundation of Tom Selleck's Wealth
Born on January 29, 1945, in Detroit, Michigan, Tom Selleck grew up in Sherman Oaks, California. His journey towards building a large net worth began with humble origins. , Selleck pursued a business administration degree at the University of Southern California (USC) on a basketball scholarship. But, his interest shifted towards acting. leading him to study at the Hills Playhouse under Milton Katselas.
Minor roles in television and films marked Selleck's early career. He appeared in commercials and took on small parts in T.V. series such as "The Dating Game" and "Lancer." These initial steps, although modest. laid the groundwork for his future success and the growth of Tom Selleck net worth. Breakthrough with "Magnum, P.I."
The Role that Defined Tom Selleck's Career
Tom Selleck's breakthrough came with the role of Thomas Magnum in the CBS television series "Magnum, P.I." (1980-1988). This role made him a household name and boosted his net worth. The series' popularity resulted in Selleck earning large salaries. leading to financial stability and increased recognition in Hollywood.
"Magnum P.I." garnered high ratings and critical acclaim during its run. Selleck's portrayal of the charming and resourceful private investigator resonated with audiences. making him one of the most beloved television actors of the 1980s. The success of "Magnum P.I." played a pivotal role in shaping Tom Selleck net worth, establishing him as a major star.
Film Career and Diversification
Expanding Tom Selleck's Financial Portfolio
While "Magnum, P.I." was a cornerstone of Selleck's career, he did not limit himself to television. He ventured into films, further enhancing Tom Selleck net worth. His filmography includes notable movies such as "Three Men and a Baby" (1987). which became the highest-grossing film of the year, and its sequel, "Three Men and a Little Lady" (1990). These box office successes contributed to his wealth.
Selleck's versatility allowed him to transition between genres. from comedies like "Mr. Baseball" (1992) to westerns such as "Quigley Down Under" (1990). This diversification showcased his acting range. and provided many income streams, reinforcing Tom Selleck net worth.
Television Resurgence with "Blue Bloods"
Sustaining Wealth through Consistent Success
In 2010, Tom Selleck began starring as Frank Reagan i
Panchayat Season 3 - Official Trailer.pdfSuleman Rana
The dearest series "Panchayat" is set to make a victorious return with its third season, and the fervor is discernible. The authority trailer, delivered on May 28, guarantees one more enamoring venture through the country heartland of India.
Jitendra Kumar keeps on sparkling as Abhishek Tripathi, the city-reared engineer who ends up functioning as the secretary of the Panchayat office in the curious town of Phulera. His nuanced depiction of a young fellow exploring the difficulties of country life while endeavoring to adjust to his new environmental factors has earned far and wide recognition.
Neena Gupta and Raghubir Yadav return as Manju Devi and Brij Bhushan Dubey, separately. Their dynamic science and immaculate acting rejuvenate the hardships of town administration. Gupta's depiction of the town Pradhan with an ever-evolving outlook, matched with Yadav's carefully prepared exhibition, adds profundity and credibility to the story.
New Difficulties and Experiences
The trailer indicates new difficulties anticipating the characters, as Abhishek keeps on wrestling with his part in the town and his yearnings for a superior future. The series has reliably offset humor with social editorial, and Season 3 looks ready to dig much more profound into the intricacies of rustic organization and self-awareness.
Watchers can hope to see a greater amount of the enchanting and particular residents who have become fan top picks. Their connections and the one of a kind cut of-life situations give a reviving and interesting portrayal of provincial India, featuring the two its appeal and its difficulties.
A Mix of Humor and Heart
One of the signs of "Panchayat" is its capacity to mix humor with sincere narrating. The trailer features minutes that guarantee to convey giggles, as well as scenes that pull at the heartstrings. This equilibrium has been a critical calculate the show's prosperity, resounding with crowds across different socioeconomics.
Creation Greatness
The creation quality remaining parts first rate, with the beautiful setting of Phulera town filling in as a scenery that upgrades the narrating. The meticulousness in portraying provincial life, joined with sharp composition and solid exhibitions, guarantees that "Panchayat" keeps on hanging out in the packed web series scene.
Expectation and Delivery
As the delivery date draws near, expectation for "Panchayat" Season 3 is at a record-breaking high. The authority trailer has previously created critical buzz, with fans enthusiastically anticipating the continuation of Abhishek Tripathi's excursion and the new undertakings that lie ahead in Phulera.
All in all, the authority trailer for "Panchayat" Season 3 recommends that watchers are in for another drawing in and engaging ride. Yet again with its charming characters, convincing story, and ideal mix of humor and show, the new season is set to enamor crowds. Write in your schedules and prepare to get back to the endearing universe of "Panchayat."
2. Greetings and welcome to our first white paper of the 2013
season. We at SPC Card, in conjunction with our research
partners at Conversion, are pleased to share our findings and
thoughts with our coalition partners and the industry as a whole.
As North America’s dominant student loyalty program, SPC Card
has unprecedented and unique access to the now and the near
future of youth shopping behaviour through our 1.1 million
student shoppers in Canada and America – and we like to share
what we learn.
We would like to thank our media partners and The Retail
Council of Canada for taking interest in our research and
distributing it. We look forward to working with these partners
and others now and in the future as we help chart the course
of marketing and retailing in North America and beyond.
Dean Mazzariol
President, SPC Card
INTRODUCTION
Research &
Strategic Insight 01
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
3. THE NOW & NEAR FUTURE OF LOYALTY IN CANADA
Research &
Strategic Insight 02
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
The tides are most definitely changing in the consumer landscape.
Our 2012 Pulse of the Canadian Student Shopper study attested
to this, and it’s largely due to the continuing definition of a new,
digitally-driven retail consumer ecosystem. Social media and
social CRM continue to emerge as pivotal elements of any and
all marketing communication programs. The ongoing economic
uncertainty paired with a proliferation of online discount buying
platforms means consumers expect discounts everywhere.
Meanwhile, the loyalty space continues to become more saturated
than ever in Canada with a wide variety of new entrants to the
market (Scene and Plum most prominently, but many more private
retailer programs continue to pop up) and new “loyalty light”
programs being introduced in categories that never touched
loyalty before. Virgin Mobile is a prominent Canadian example
now, with its Member Benefits strategy.
There is also an undeniable change in expectations of Millennials
to take into account when it comes to the loyalty space. Soft
benefits are an increasingly influential element of any loyalty
program, as is recognition for new and trackable forms of
advocacy. We have also discovered that the loyalty game of
collecting points (tokens, dollars, etc.) is certainly not dead
with Millennials, however; instant gratification of varying kinds
also plays a key role, particularly as an introductory mechanism
and part of an ongoing surprise and delight strategy.
So where do things stand right now and, more importantly,
where are they going when it comes to the still abundantly
fertile loyalty landscape here in Canada? Let’s take a look at
some hot-off-the-presses results, freshly culled from this year’s
SPC Card / Conversion “Pulse of the Canadian Student
Shopper” study, fielded in August / September 2012 to the
SPC Card registered members database and generating a
regionally diverse sample size of 1440.
4. THE NOW: WHO IS USING WHAT CARDS & HOW?
Research &
Strategic Insight 03
The immediate takeaway from our second annual Pulse of
the Canadian Student Shopper study has to be that loyalty
programs are alive and well; 79% of our student shopper study
base was enrolled in at least one private loyalty program,
while a similar number (70%) were registered in a group or
“coalition” loyalty program on top of a membership to SPC
Card. Loyalty programs are most definitely an established and
ingrained part of the modern shopper’s expected landscape of
options and something that is not going away any time soon.
Aggregate analysis also indicates that there is not as much
of a gender distinction as previously marked in the loyalty
landscape when it comes to who is actually driving loyalty
program membership. Yes, females DO drive private loyalty
program behaviour by a significant factor of 17%, but close
to three-quarters (71%) of male student shoppers now play
an active and formal role in the Canadian private loyalty
landscape, versus the 88% of females that play a role.
Importantly, these gender percentages come even closer
when looking at group coalition membership results.
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
Canadian Student Shoppers & Store Loyalty Programs –
Where They Collect Points
(n=1440)
“I usually collect reward points using:”
MALE FEMALE 14-17 18-24
Regular
Loyalty
Card
Credit
Card
Debit
Card
Mobile
Phone
Video
Game
Console
Prepaid
Card
0 10 20 30 40 50 60 70 80%
63%
74%
27%
23%
7%
21%
17%
18%
8%
3%
6%
5%
7%
1%
5%
3%
4%
2%
3%
2%
19%
41%
74%
63%
5. Research &
Strategic Insight 04
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
THE NOW: WHO IS USING WHAT CARDS & HOW?
Canadian Student Shoppers and Store Loyalty Programs - Membership (Top 10)
(n=1440, SPC Card Members)
MALE FEMALE 14-17 18-24
MEMBER OF AT
LEAST ONE STORE
LOYALTY PROGRAM
AMERICAN EAGLE
ACCESS CARD
INDIGO PLUM
REWARDS
BEST BUY
REWARD ZONE
COSTCO
MEMBERSHIP
CARD
MY STARBUCKS
REWARDS
SEPHORA VIB
BEAUTY INSIDER
LA SENZA
PRESTIGE VIP
BLUENOTES
SIGNATURE CARD
SHOPPERS'S
OPTIMUM CARD
71%
88%
28%
18% 18%18%
30%
17%
20%21%
13%
1%1%
28%
23%
8%
11%
43%
39%
45%
0
20
40
60
80
100%
PETRO POINTS
10%11%
6. 05
Early adoption is also something to consider in our
assessment; 76% of those aged 14-17 in our study were
enrolled in at least one private loyalty program. Further,
usage in the past month (earned, collected, redeemed,
received a perk) is nearly ubiquitous across our study base,
with 90% of student shoppers indicating usage of at least
one loyalty program (group or private) in the past 30 days.
Loyalty membership is an ingrained and frequently used
behaviour that starts early.
* No Annual Fee
** Annual Fee
+ Source: SPC Card Market Share Study 2012
Canadian Student Shoppers & Group Loyalty Programs - Membership
(n=1440, SPC Card Members)
MALE FEMALE 14-17 18-24
SCENE CARD* AIR MILES* SPC CARD**+ AEROPLAN* HBC REWARDS*
0
10
20
30
40
50%
21%
16%
13%
39%
33%
14%
16%
11% 11%
35%
26%
17%
16%
45%
24%
20%
17%
48%
50%
34%
Research &
Strategic Insight
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
THE NOW: WHO IS USING WHAT CARDS & HOW?
7. Research &
Strategic Insight 06
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
Canadian Student Shoppers and Store Loyalty Programs – Last Month Usage (Top 10)
(n=membership established in study per program)
“Of these loyalty programs, which of them have you used (earned, redeemed, received any benefit or perk from) in the last month?”
MALE FEMALE 14-17 18-24
SPC CARDAIR MILES MY STARBUCKS
REWARDS
COSTCO
MEMBERSHIP
CARD
AEROPLAN PETRO POINTS SHOPPER'S
OPTIMUM CARD
SCENE CARD SEPHORA VIB
BEAUTY INSIDER
AMERICAN EAGLE
ACCESS CARD
0
10
20
30
40
50
60
70%
61%
63%
54% 53%52%
49%49% 48%
46%
50%
44% 45%
48%
42%
49%
52%
46%
44%
45%
56%
THE NOW: WHO IS USING WHAT CARDS & HOW?
8. 07
Taking a look at the collection versus redemption equation
that drives the loyalty machine, our annual study shows that
the game is still on with half of our student shoppers
perceiving themselves as at least “frequent collectors of
points.” Another 30% indicate they collect points “all the
time” (13%) or, at the top level, collect points“all the time
and look for ways to double up points, etc.” (17%). And
despite all the hoopla about new modes for payment and
collection, just under 7 in 10 (69%) student shoppers still
collect using their various standard loyalty cards with credit
cards (25%) and debit cards (19%), pulling up the rear as the
second and third most used collection vehicles respectively.
Mobile phone collection (5%), video game consoles (4%)
and prepaid cards (3%) round out the collection vehicles.
Canadian Student Shoppers & Store Loyalty Programs – Collecting Points
(n=1440)
“Thinking about programs that allow you to collect points, which best describes you?”
MALE FEMALE 14-17 18-24
I never collect points
0 10 20 30 40 50 60%
I collect points
once in a while
26%
29%
28%
27%
I collect points when
I am reminded
19%
16%
20%
15%
7%
9%
3%
5%
I collect points all the
time & look for ways to
double up points etc.
I collect points
all the time
12%
13%
10%
15%
I am a frequent
collector of points
19%
20%
16%
23%
16%
16%
17%
17%
Collect Frequently
[Top 3 Box]
49%
50%
44%
55%
Research &
Strategic Insight
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
THE NOW: WHO IS USING WHAT CARDS & HOW?
9. 08Research &
Strategic Insight
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
Canadian Student Shoppers & Store Loyalty Programs –
Redeeming Points
(n=1440)
“Think about how you redeem those points, which best describes you?”
MALE FEMALE 14-17 18-24
33%
34%
35%
37%
36%
35%
37%
21%
20%
8%
8%
10%
10%
21%
22%
33%
I hardly
ever
redeem
I save them
up for at
least a year
I save them
up for at
least six
months
I save them
up for a
month or so
0 5 10 15 20 25 30 35 40%
On the redemption side of the equation, we see results that one
can look at from a variety of perspectives. From the normalcy and
needs viewpoint, the fact that just over a third (34%) of student
shoppers describe themselves as “hardly ever” redeeming and
another third (36%) say they “save them up for at least a year”
should be of some good news to points and credit-based loyalty
programs where the house must always win; higher collection rates
and lower rates of redemption drive the loyalty machine.
Of course, there’s a flipside here that speaks to the potential of an
increasingly detached base of loyalty program members –particularly
within the context of a landscape that is getting more congested.
Creating a legion of zombies without a mission or a preference is
not the ideal approach.
We also don’t want a legion of members who are increasingly
cynical of the loyalty game; 60% of our student shopper base agrees
that, “The problem with most loyalty programs is that they aren't
very good at providing me with benefits or rewards quickly enough.”
Luckily, the changing media landscape is presenting opportunities
where engagement and advocacy can be driven, in part, without
only having to offer more costly redemption and discount benefits.
As per last year’s study, we have the developing digital marketing
and retailing ecosystem to thank for this.
THE NOW: WHO IS USING WHAT CARDS & HOW?
10. 09Research &
Strategic Insight
THE NEAR FUTURE: TRENDING EXPECTATIONS & ISSUES
It’s important to note here that nearly one-third (31%) of our
student shopper base states, “I don't find the communications
I get from loyalty programs to be very relevant.” Not bad, but
we can do better.
Important options to consider in order to become more
relevant, as highlighted in this study, include:
Offering more frequent rewards at a lower value for
behaviour your modern shopper is increasingly
comfortable with.
Nano-points, simple recognition and/or stored activity
accumulation for use later in a surprise-and-delight
context should be considered for desirable consumer
behaviour. This could include downloading apps to
their smartphones, checking in, advocacy, reviews and
provision of more specific personal information in
exchange for more relevant information and offers.
The loyalty game involves a fine balance between engagement
to drive allegiance, an increase in purchase volume, size and
frequency, and keeping redemption rates predictable and
manageable. Our study has identified a number of potential
vectors that the wise loyalty program should start to recognize,
consider and implement to suit the changing expectations of
the modern consumer.
Any loyalty program membership base should be recognized
as the marketing function’s most valuable asset. It’s your
addressable community of people who are “in.” It reduces
your reliance on paid media within a measurable, responsive
and highly scalable framework. It’s also a key recommendation
and advocacy engine and, in the hands of a modern brand
publisher, a brand enhancer of potentially epic proportions.
Our goal, and ideally your goal, should be to make loyalty
membership databases an asset on any organization’s books.
With this assertion, let’s take a look at some ways the modern
brand publishers can up their game within the loyalty space.
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
11. THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
THE NEAR FUTURE: TRENDING EXPECTATIONS & ISSUES
NEW PRIORITIES
I would consider volunteering time
to a cause or charity in exchange
for points, rewards or discounts
I am interested in using my phone
rather than a card to collect points
and receive discounts
I wish loyalty programs offered
more of an experience rather
than just discounts
I would consider converting
points or rewards into ballots for
daily contests to win trips, tickets
and merchandise
I would consider providing
personal preferences to a loyalty
or rewards program in exchange
for more targeted and relevant
advertising and offers
I would consider driving my friends
to shop in a given time period at a
given store in exchange for points,
rewards or discount
I would consider converting points
or rewards into credits to pay
down obligations like a monthly
cell phone plan or a student loan
I like the idea of pooling points
or rewards with friends and family
as a route to bigger rewards,
steeper discounts, etc
Loyalty programs for people my
age need to involve social media
connections and community
I would be likely to download a
loyalty app to my smartphone
I would consider contributing
reviews or comments online
in exchange for points, rewards
or discounts
I would consider checking in at
various participating retailers
in exchange for points, rewards
or discounts
64%
62 %
55%
36%
44% 33%
41%59% 41%
34%
33%
45%
Research &
Strategic Insight 10
12. STATUS QUO
THE NEAR FUTURE: TRENDING EXPECTATIONS & ISSUES
64% of our study base would consider contributing
reviews or comments online in exchange for points,
rewards or discounts.
A majority (55%) would also consider checking in at
various participating retailers in exchange for points,
rewards or discounts.
Utilizing the access and efficiency of modern, skillfully
managed membership databases to give your members
more dexterity with their points.
62% of our study base expressed interest in converting
points or rewards into credits to pay down obligations
like a monthly cell phone plan or student loan.
59% like the idea of pooling points or rewards with
friends and family as a route to bigger rewards, steeper
discounts etc.
41% consider volunteering time to a cause or charity
in exchange for points, rewards or discounts.
69%
I prefer getting
instant discounts
versus collecting
points
63%
I am pretty much
always interested
in new loyalty
programs so I
can save money
59%
Emails are the
best way for a
loyalty program
to communicate
with me
39%
When a retailer
offers a loyalty
program I know
they want to offer
me the best deals
11
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
Research &
Strategic Insight
13. THE NEAR FUTURE: TRENDING EXPECTATIONS & ISSUES
Make yourself consistently available where your
membership wants you to be.
Just under half (45%) believe that, “Programs for people
my age need to involve social media connections and
community.”
44% would be likely to download a loyalty app to their
smartphone (a figure destined to increase as rewards and
recognition get offered to members for doing so).
Over a third (36%) are interested in using their phone
rather than a card to collect points and receive discounts.
Universal smartphone adoption could be the tipping
point in the future.
59% of our study base indicates that email
is still the best way for loyalty programs to send
communications.
Think about experiential events and benefits that both
enhance your overall brand relevance while also utilizing
the omnipresent efficiencies of the digital world.
Indeed, one-third of our study base wishes loyalty
programs offered more of an experience rather than
just discounts.
60%
The problem with most
loyalty programs is that
they aren't very good at
providing me with
benefits or rewards
quick enough
I don't find the
communications I get
from loyalty programs
to be very relevant
I am unclear about the
value of reward points and
often find them confusing
31%
NEEDS IMPROVEMENT
31%
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
12Research &
Strategic Insight
14. Research &
Strategic Insight
About The Study
SPC Card and Conversion are proud partners in the annual “Pulse of the
Canadian Student Shopper” study.
With 1 million+ cardholders aged 12-24, SPC Card, Canada’s leading student
loyalty program, enjoys robust and privileged access to young Canadian
shoppers.
Conversion Research, the full service insight practice helmed by
award-winning market research expert Mike Farrell, provides undeniable
longitudinal experience and objective discipline.
This study was fielded online in September 2012 to a fielding universe of SPC
Card members and derived a national total aggregate sample size of 1,440
Canadian students aged 14-24 – weighted to most recent StatsCan regional
and demographic information where applicable.
Full sets of detailed tables are available upon request. Customized detailed
tables (i.e. cut by stores shopped or custom demographics) are available for a
very reasonable fee.
Project Lead and Author
Mike Farrell
SVP, Research and Strategic Insight
Conversion Marketing &
Communication
Data Lead
Caroline Wilson
Vireo Research
Design
Diana Shim
Interested in knowing more about SPC Card?
Please contact:
Nicholas Bianchi
Vice President, Sales & Loyalty Marketing
nicholas@spccard.ca
toll free – 877.798.4637 ext. 241
Interested in knowing more about Conversion, this project and custom
research opportunities?
Please contact:
Mike Farrell
SVP, Research and Strategic Insight
Conversion Marketing & Communication
mike.farrell@driveconversion.com
416.938.0673
Please direct all media inquiries to Mike Farrell.
THE PULSE OF THE CANADIAN STUDENT SHOPPER 2013
13