Innovation

We live in an age of optimisation. Whether it’s tweaking our smart home routines to save energy, or calculating the exact consumption efficiency on a new electric vehicle, we are obsessed with squeezing maximum value out of every asset.

But when it comes to the significant digital assets most of us manage, like travel and financial loyalty, we operate on autopilot, blindly collecting points that may lose value by the day. Airline loyalty programmes are the quintessential exercise in consumer game theory. They are designed to feel like a reward, but are aimed at keeping you locked into a specific airline or a bank partner, even when the math doesn’t add up.