According to Bernstein Research, consumers who regularly make multiple types of digital payments, such as online and in-app, spend 10 times more, resulting in two to three times more revenue. Yet, digitally savvy consumers like millennials are also fickle. Our own Mastercard research shows that 31 % of millennials are willing to switch banks in order to get a card with a better rewards program. So, how do we connect with consumers and earn their loyalty?

We’ve identified three strategies to drive meaningful digital engagement:

	Deliver a better digital consumer experience
	Increase redemption channels
	Make sure your program is primed for personalization