Which grocery chain pioneered the first modern electronic loyalty card program in 1995, revolutionizing food retail customer retention with personalized coupons based on purchase history?

Customer loyalty programs are now ubiquitous in the food retail industry, but they weren't always so sophisticated. Before digital cards and apps, one groundbreaking program changed how grocery stores approached customer retention. This trivia question explores the origins of modern grocery loyalty programs that paved the way for the data-driven customer retention strategies we see today in food retail.

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Tesco with its Clubcard program
Kroger with its Plus Card system
Safeway with its Club Card initiative
Albertsons with its Preferred Savings program