CINCINNATI — About a third of the $48 billion worth of loyalty rewards points and miles Americans accumulate each year go unused, according to a report from loyalty-marketing firm Colloquy, based here. The study, titled 2011 Forecast of U.S. Consumer Loyalty Program Points Value, notes that the retail industry, which makes up 40% of loyalty memberships, accounts for a fourth of the total reward value, at $12 billion in value. The financial services sector accounts for $18 billion in annual ...

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