For Love or Money™ 2026 Comprehensive Report (PDF) + JOY.LT AI Interactive Analyst

Description

Benefit from both the Comprehensive Report (PDF format) and the AI Interactive Report

Introducing JOY.LT – your personal For Love or Money™ 2026 AI Analyst

Welcome to the 14th edition and 2026 For Love or Money™ AI Interactive Report, the AI enabled and adaptive format of the ongoing research study into customer loyalty and loyalty programs.

Introducing JOY.LT your personal For Love or Money™ 2026 AI Analyst (AKA Loyalty Specialist)!

You can ask JOY.LT any question relating to the 10 sections of the 2026 For Love or Money™.

What’s in this report that will make a difference to your customer loyalty strategies and loyalty program success?

This is the 14th edition of the annual Australian consumer research study tracking key trends and insights on customer loyalty and loyalty program.

The IMPACT Edition

There are 10 sections and 27 areas of research including 13 tracking trends and 14 new areas of insight

Section 1. Loyalty is not a program. What is loyalty?

• Brand Loyalty: Achieving the loyalty peak (Trend 2026 vs 2025 vs 2024 vs 2023)
• Is loyalty to a brand a one-way or two-way street? (Trend 2026 vs 2023)
• Loyalty programs moving from identification to identity (New)

Section 2. The impact of loyalty programs on a brand

• The impact of a loyalty program on the brand experience (Trend 2026 vs 2018)
• The impact of a loyalty program closing down (Trend 2026 vs 2020 vs 2017)
• The loyalty program ‘Impact-on-Brand-Loyalty’ Scorecard (New)

Section 3. The loyalty program landscape

• Loyalty program memberships (Trend 2016 to 2026)
• Profiles of loyalty program memberships (Trend 2021to 2026)
• Who loves loyalty programs? 10 or more memberships (Trend 2020 vs 2026)
• Active engagement in loyalty programs (Trend 2013 to 2026)

Section 4. The Loyalty Program Experience Index SPVX™

• Ranking three key variables for optimising the loyalty program member’s experience (Trend 2023 to 2026)
• The Loyalty Program Experience Index SPVX™ (Trend 2023 to 2026)
• 77 Australian loyalty programs scored with the Loyalty Program Experience Index SPVX™ (2026)

Section 5. The Nine Currencies of Collection loyalty program members care about

• Designing unique loyalty program propositions with The Nine Currencies of Collection loyalty program members care about (Trend 2026 vs 2025)
• The impact on loyalty program engagement when financial benefits are removed (New)

Section 6. The problem-solving powers of loyalty programs (New)

• Three zones of loyalty program impact: World. Life. Brand (New)
• Regular vs Random: Impacting behaviours with bonus rewards (New)

Section 7. AI here, there and everywhere. The impact of agentic commerce

• Loyalty programs and AI. Awareness. Comfort and Concern. (Trend 2026 vs 2025)
• Impact of agentic commerce on loyalty program members (New)

Section 8. Loyalty programs and the impact (or not) of personalisation (New)

• Loyalty programs leveraging data for personalisation. Volume and quality of data for personalisation: Do loyalty programs have enough data to tailor personal and relevant offers and communications? (New)
• How often is data used for personalisation? (New)
• Do relevant and personalised offers or communications motivate action? (New) The utility of different types of personalisation (New)
• The pain points of loyalty program personalisation (New)
• The impact of personalisation: From creating confidence to adding anxiety (New)

Section 9. The impact on member engagement of nine psychology levers (New)

Section10. What does loyalty program value mean? 

• The 12 dimensions of value offered by loyalty programs (New)