Monolithic SaaS loyalty platforms are often inflexible and slow to change. That rigidity makes it difficult for retailers to modernise and stay ahead of their competitors.

Rather than relying on one, inflexible SaaS platform for loyalty, composable tech stacks comprise of best-in-class tools for each function, connected via APIs. This gives retailers the freedom to swap components as needed – like football team transfers, but for tech.

A composable tech stack starts with raw inputs – like POS, e‑commerce, media – then stores, structures and cleanses data using modern cloud tools like Snowflake, GCP or Azure.

Unified customer views matter… but only if they’re shaped for your end-use cases. Identity resolution alone won’t unlock real value.

Collecting data isn’t enough. It needs to be engineered into datasets built for pricing, personalisation, loyalty and more.

Data plus execution tools aren’t enough. Retailers need an intelligence layer that turns insights into personalised strategic decisions. This is decision intelligence.

In retail, personalisation is more than just messaging. Decision intelligence for loyalty covers: what to say, when to say it, which offer or price to show, and how to optimise through the customer lifecycle – not just ‘next best action’.

Composable loyalty works best with expert partners who guide and co-create solutions – not just plug-in dashboards without support. People plus technology is the answer.

Measuring loyalty is key. Retailers should track full programme ROI and individual campaign performance, then feed the results back into the decisioning layer for continual optimisation.

Composable technology is often more cost-efficient than monolithic SaaS. You pay only for what you use and avoid inflexible contracts that take years to deliver value.