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⍰ ASK How did loyalty and rewards programs become integrated into electronic payment services in the U.S.?

In the last few decades, loyalty and rewards programs joined electronic payment services in the U.S. It started in the early 2000s when credit card companies wanted to keep customers happy by giving them rewards. As more people used digital payments, these rewards programs also included online and mobile transactions.

Mobile wallets and apps made this even better by offering special deals and cashback to keep customers loyal. Around the mid-2010s, big electronic payment companies teamed up with stores to put loyalty programs right into their systems.

The idea was to make paying digitally not just easy but also fun with cool rewards. This not only made more people use electronic payments but also made them stick around in a competitive market.
 

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