To say nothing is the same as it was six months ago is an exaggeration. What we are doing, in many regards, hasn’t changed that much. But how we are doing it – from how we work, to how we eat, to how we shop, to how we bank – has changed quite a lot, drifting to digital in unexpected places. And what consumers want in terms of rewards and loyalty incentives – and what they are even willing to count as a reward is also in a state of flux. That means for merchants of all stripes, the key to bringing in customers is to find ways to do more – and to do it digitally.