This Financial Insights report looks at the issues affecting rewards and loyalty programs and the dynamic changes that are occurring. It also provides guidance for issuers and vendors. "The loyalty and rewards programs continue to evolve and change," says senior research analyst Dana Gould. "While we expect to experience changes in the way these programs are funded, issuers will continue to seek opportunities to reward customers to develop loyalty. New ideas, especially in the online arenas, will introduce new players into the market and will result in the introduction of new and innovative programs to provide rewards for loyalty."