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Where payments and loyalty converge in real time
Your cardholders expect value in the moment they pay, not days later on a statement. This report, based on a survey of 300 payments, banking and loyalty leaders, maps the execution gap between strategic intent and operational reality, and shows where to start closing it.
The execution gap is becoming the market divide
The market agrees on where commerce is heading. Most organizations just aren't built to get there yet. Here's what the data reveals.
- Real-time value is now a baseline expectation Nearly 89% of organizations say real-time value delivery is a critical or very important priority, yet less than 1% can act on the majority of transactions in real time today. (2026 Future of Payments & Loyalty Survey, n=300)
- AI is moving beyond analytics toward orchestration 87% of organizations say AI-driven autonomous decisioning will define the future of payment and loyalty ecosystems, while most are still using AI primarily for reporting and segmentation rather than dynamic real-time engagement. (2026 Future of Payments & Loyalty Survey, n=300)
- Loyalty's biggest opportunity sits beyond the first purchase Only 10% of organizations currently use incentives to support retention behaviors, and just 2% use them for bill pay engagement, leaving significant lifecycle value on the table. (2026 Future of Payments & Loyalty Survey, n=300)
- ROI measurement is holding organizations back 75% of organizations don't measure loyalty performance through customer lifetime value, relying instead on short-term transactional metrics that can't capture the full picture of lifecycle engagement. (2026 Future of Payments & Loyalty Survey, n=300)
ESC
ESC
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