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Katie Hooper, managing director and vice president of strategy at HZDG, agreed: "As soon as you say you're changing your loyalty program, an instant skepticism emerges. When you make the reward harder to realize, it feels like something that's just helping the companies improve their revenue streams. We recommend telling customers how this is going to improve their daily life. Before, Starbucks was doing it really well by rewarding them based on frequency. It said they valued the customer no matter what."

Changes such as these actually could make your loyal customers less loyal, said Susan Cantor, president of Red Peak Branding: "It erodes good will. If you make a change, it needs to be more in line with previous customer expectations."

86 percent of marketers say they will own the end-to-end customer experience by 2020. To accomplish this, the report found that marketing leaders must have a single view of the customer that allows them to engage in two-way, personalized conversations across technologies, locations, and physical objects.

Marketing complexity is growing: More than half of respondents believe the accelerating pace of technological change, mobile lifestyles, and an explosion of potential marketing channels via the Internet of Things (IoT) will change the field the most by 2020. This is driven by the billions of possible interactions these channels will create between a company and its customers.

The top marketing channels are those that can be personalized: The top channels to the customer in 2020 will be social media (63% of respondents), the World Wide Web (53%), mobile apps (47%), and mobile web (46%).

more strategic thought around how to deploy mobile in a shopping arena—not necessarily the new technologies or the new checkout system because that’s going to happen no matter what.”

s you start to see third parties map indoor spaces [and] you start to see retailers put beacons on the shelves, I think there is going to be some massively interesting creative unlocked [in 2015].” 

adoption of mobile payments and loyalty programs by both retailers and consumers. We’ve finally reached a long-awaited tipping point with beacons and NFC, and these technologies are poised to supercharge in-store sales and turn the tables on showrooming.”