I honestly believe that the main reason I carry a handbag around with me is for my loyalty cards. I love them, whether it be Advantage Points, a free coffee when I've already bought 10, or the promise of a birthday present I'll probably never reclaim, I'm completely bought in. 

However, my love for a loyalty scheme isn't shared so much by retailers - as a system, it's bred expected behaviour, rather than loyalty, and there is no way of measuring its success as a mechanic.

This is where Yoyo Wallet steps in - and it's frustrating how simple it is. Not only does it solve the problem (as a customer) of forgetting your loyalty card at home and missing out on that ever-important stamp, but it also supports retailers develop their CRM databases. CRM systems are becoming key for retailers and marketing teams, as consumers are increasingly wanting a more personal offer - a deal on the coffee that they order daily, rather than a discounted pastry they might not ever buy, for example. This opportunity to tailor a deal to a consumer's buying habits is becoming increasingly necessary and, with the development of apps like Yoyo Wallet, also increasingly possible.

Even the way in which this app has introduced itself to the consumer world is annoyingly obvious - in the way that makes you want to kick yourself and go 'Why didn't I think of that?!'. They've started by ticking off the smaller, independent coffee shops and cafes around their offices - a very sensible move - however, they have also targeted university campuses, which is where the roll out gets really clever. By introducing an app to students (who love a deal, are notoriously forgetful, and are practically glued to their smartphones), Yoyo Wallet are pretty much breeding behaviour in a petri-dish of ideal users. Users who will be moving to key cities in the next 3 years maximum, bringing their buying habits with them. Like I said, annoyingly obvious, but incredibly intuitive.

So, what's next for the world of app payment and loyalty? It's the love-child of both the Apple Pay and O2 Priority apps, which are used liberally, so I can't see that there will be any issue in consumer pick up. On the same hand, as previously mentioned, its appeal to retailers will be huge from a CRM point of view. However, I can't shake from my mind that there are a lot of app payment systems, bespoke loyalty apps and the large companies will have invested in CRM systems. 

In a world of tech revolutions, and new apps popping up nearly every day, this is one which I believe (and really hope) will succeed. Not only would it make our lives easier (the aim of most tech advances...) but it will actually have an impact to change the way in which we shop.