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  "documentTitle": "Banking Consumer Study 2025",
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      "text": "Banks offering relationship-based rewards: <15%",
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      "text": "Building on close connections | Reassure me | Remember me | Delight me | Reward me",
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      "text": "Customers with multiple accounts enrolled in the Value Program may earn Avion points at varying rates, as each account is individually evaluated based on its associated eligible product categories. Additionally, acquiring new eligible RBC products may come with welcome points offers, further boosting point balances. Indeed, the more RBC products a member holds, the greater their potential to accumulate Avion points, rewarding comprehensive engagement with RBC's financial services. In 2024, Avion Rewards was honored as the “Loyalty Program of the Year (Americas)” at the International Loyalty Awards for the second consecutive year, underscoring its excellence and innovation in loyalty on a global scale.22",
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      "text": "Loyalty grows when customers feel recognized. Airlines have known this for years, but for some reason, as our previous study found, fewer than 15% of banks offer any form of relationship-based rewards. Recognizing the totality of a relationship builds strong emotional bonds and advocacy. This can be achieved many ways—through programs that recognize the totality of the relationship, through explicit loyalty programs that reward behavior over time or simply recognizing the customers via status.",
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      "text": "Take Royal Bank of Canada. By enrolling an eligible personal deposit account in the RBC Value Program, members can earn Avion points on qualifying debit purchases made online or in-store.",
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