Retailers are increasingly turning to card-linked loyalty programs to enhance customer engagement and retention in a competitive market where traditional loyalty schemes fall short. These programs provide retailers with access to rich, real-time data about customer shopping habits, such as transaction details and shopping locations, enabling them to create personalized offers that resonate with customers. By linking loyalty rewards directly to customers' payment cards, card-linking minimizes checkout friction, allowing customers to easily redeem rewards without the need for additional actions like scanning codes or presenting vouchers. This seamless integration not only improves customer satisfaction but also ensures that retailers can maintain a continuous connection with their customer base, driving more frequent and effective interactions.