Here is a list of references I used while writing Connected! Very helpful and informative sources. I encourage you to take a look.

1. The HorizonbFit program – https://members.horizonbfit.com/horizonbfitmobile#. The program is powered by Advanta Health Solutions.
2. Alfa-Bank, with its save more when you move program. http://activity.alfabank.ru/Activity/
3. Plenti, the multi-retailer and cross industry loyalty program by American Express. https://www.americanexpress.com/us/credit-cards/card/plenti/
4. COLLOQUY: An average household uses only 30% of the loyalty programs they are signed up in. https://www.colloquy.com/latest-news/2015-colloquy-loyalty-census/
5. Report on loyalty by Capgemini Consulting: https://www.capgemini.com/resources/fixing-the-cracks-reinventing-loyalty-programs-for-the-digital-age
6. The Bond Brand Loyalty report – 44% of customers feel that it is easy to replace the rewards program, http://info.bondbrandloyalty.com/hubfs/Resources/Bond_Brand_Loyalty_2015_Loyalty_Report.pdf
7. Effect of Customer-centric structure on long term financial performance – Lee, Sridhar, Henderson, Palmatier. http://www.msi.org/reports/effect-of-customer-centric-structure-on-firm-performance/
8. Ambidextrous organizations – HBR – https://hbr.org/2004/04/the-ambidextrous-organization
9. Putting The Balanced scorecard To Work – https://hbr.org/1993/09/putting-the-balanced-scorecard-to-work
10. How to acquire profitable customers: https://warrington.ufl.edu/centers/retailcenter/docs/papers/Lewis2004.pdf
11. Field experiments in trust and brand consideration – http://web.mit.edu/hauser/www/Hauser%20Articles/Liberali_Urban_Hauser_competitive%20information%20IJRM%202013.pdf
12. MIT paper on Trust imperative – http://ebusiness.mit.edu/research/papers/175_Urban_Trust.pdf
13. Customer loyalty is fleeting: https://thefinancialbrand.com/51081/banking-big-data-opportunity/
14. Millennials find banks irrelevant – https://thefinancialbrand.com/37787/millennial-banking-survey-viacom/
15. Millennials find banks irrelevant – http://www.millennialdisruptionindex.com/
16. 18 months for innovation in banking – Innovation and the Future Proof Bank: A Practical Guide to Doing Different, James A Gardner, http://www.wiley.com/WileyCDA/WileyTitle/productCd-0470714190.html
17. Solving the warranty problem for consumer using Blockchain, https://www2.deloitte.com/nl/nl/pages/deloitte-digital/artikelen/warranty-solution-based-on-blockchain.html
18. How Wells Fargo is integrating with Xero to make life easier for small businesses and entrepreneurs, https://www.wellsfargo.com/about/press/2016/new-dataexchange-method_0607/
19. How to help your customers engage with you on Facebook Messenger, https://developers.facebook.com/blog/post/2016/04/12/bots-for-messenger/
20. How UK is pushing for bank interoperability through its PSD2 regulation, https://www.gov.uk/government/consultations/implementation-of-the-revised-eu-payment-services-directive-psdii
21. PayPal, Visa and MasterCard enter into agreements to open up business for each other, https://www.bloomberg.com/news/articles/2016-07-21/paypal-and-visa-end-battle-unveiling-pact-on-fees-and-data
22. Facebook impacts the importance of business pages and fans, https://www.facebook.com/business/news/update-to-facebook-news-feed
23. New FinTech innovations to target millennials and passive savers, http://www.barrons.com/articles/two-new-mobile-investing-apps-for-millennials-1453527209
24. What is a Robo-Advisor, http://www.investopedia.com/terms/r/roboadvisor-roboadviser.asp
25. Multi-sided platforms and the Fidor example, http://www.causeit.org/multi-sided-platforms-and-the-fidor-example/
26. What is blockchain technology, https://blockgeeks.com/guides/what-is-blockchain-technology/
27. The value of keeping the right customers, https://hbr.org/2014/10/the-value-of-keeping-the-right-customers
28. What went wrong at J. C. Penney? http://hbswk.hbs.edu/item/what-went-wrong-at-j-c-penney
29. Banks must differentiate, https://thefinancialbrand.com/51778/millennial-bank-switching-study/
30. A Thousand Tribes: How Technology Unites People in Great Companies, https://www.amazon.com/Thousand-Tribes-Technology-Unites-Companies/dp/0471222836
31. Walgreens links healthy choices with rewards and loyalty, https://www.walgreens.com/steps/brhc-loggedout.jsp
32. Will the sharing economy disrupt trucking, https://www.trucks.com/2016/08/24/sharing-economy-trucking-transportation/
33. Can we regulate Bitcoin, https://www.wired.com/2016/03/must-understand-bitcoin-regulate/
34. How millennials will transform industry, http://www.millennialdisruptionindex.com/
35. What is NPS? http://www.netpromotersystem.com/about/index.aspx
36. Accelerate! (XLR8), Book, https://www.kotterinternational.com/book/accelerate/
37. The Innovators Dilemma, Clayton Christensen, http://web.mit.edu/6.933/www/Fall2000/teradyne/clay.html
38. Wearables down but not out, http://www.marketwatch.com/story/the-wearable-craze-isnt-dead-yet-2017-01-31
39. Pressure in food cereal category, http://www.foodbusinessnews.net/articles/news_home/Business_News/2016/12/Pressure_in_cereal_category_pr.aspx
40. How connected devices are affecting brands and established channels, https://evrythng.com/why-amazon-dash-is-a-threat-to-brands-and-how-they-can-fight-back/
41. The Connected Company, http://www.lhe.twk.mybluehost.me/connected-company-framework/