Forbrugsforeningen (The Consumption Society), also called FBF, is Denmark's oldest and largest loyalty club with more than 247,500 members. [1] FBF is a non-profit organisation, [2] that was established 20 April 1886 as Forbrugsforeningen af 1886.
Denmark, officially the Kingdom of Denmark, is a Nordic country. Denmark proper, which is the southernmost of the Scandinavian countries, consists of a peninsula, Jutland, and an archipelago of 443 named islands, with the largest being Zealand, Funen and the North Jutlandic Island. The islands are characterised by flat, arable land and sandy coasts, low elevation and a temperate climate. The southernmost of the Scandinavian nations, Denmark lies southwest of Sweden and south of Norway, and is bordered to the south by Germany. The Kingdom of Denmark also includes two autonomous territories in the North Atlantic Ocean: the Faroe Islands and Greenland. Denmark has a total area of 42,924 km2 (16,573 sq mi), land area of 42,394 km2 (16,368 sq mi), and the total area including Greenland and the Faroe Islands is 2,210,579 km2 (853,509 sq mi), and a population of 5.8 million.
Loyalty programs are structured marketing strategies designed by merchants to encourage customers to continue to shop at or use the services of businesses associated with each program. These programs exist covering most types of commerce, each one having varying features and rewards-schemes.
FBF's product is a combined loyalty card and credit card to be used in shops and webshops to earn and accumulate bonuses, also called cashback. The size of bonuses varies from shop to shop. To become a member of FBF, one has to be a member of a trade union. [3] There is a small membership fee.
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts plus the other agreed charges. The card issuer creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.
A cashback reward program is an incentive program operated by credit card companies where a percentage of the amount spent is paid back to the card holder. Many credit card issuers, particularly those in the United Kingdom and United States, run programs to encourage use of the card where the card holder is given points, frequent flyer miles or a monetary amount. This last benefit, a monetary amount, is usually known as cashback or cash back reward.
A trade union is an association of workers forming a legal unit or legal personhood, usually called a "bargaining unit", which acts as bargaining agent and legal representative for a unit of employees in all matters of law or right arising from or in the administration of a collective agreement. Labour unions typically fund the formal organization, head office, and legal team functions of the labour union through regular fees or union dues. The delegate staff of the labour union representation in the workforce are made up of workplace volunteers who are appointed by members in democratic elections.
FBF won the title as best loyaltyclub in Denmark in 2015, primarily due to the ease of transparency when accumulating bonuses, regular cashbacks without a minimum amount. [3]
A frequent-flyer program (FFP) is a loyalty program offered by an airline.
Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry. A subsequent innovation was "Cashback Bonus" on purchases.
Same-sex marriage in Denmark has been legal since 15 June 2012. A bill for legalization, introduced by the Government of Helle Thorning-Schmidt, was approved by the Folketing (Parliament) on 7 June 2012 and received royal assent by Queen Margrethe II on 12 June 2012. Same-sex couples were previously recognized through registered partnerships. Denmark was the eleventh country in the world to legalize same-sex marriage.
Lyoness is a multi-level marketing company established in Austria in 2003. According to Lyoness, the company was active in more than 40 countries, spread over six continents, and their shopping community consisted of more than five million members as of 2016. In several countries Lyoness is suspected as being a pyramid scheme.
Gavin Alexander Dein is a British entrepreneur and philanthropist, best known for his founding of the Reward Insight business and the invention of Cardless Reward Technology. The Financial Times has stated that Reward Insight is the largest sports loyalty company in Europe.
Hyundai Card (Hangul:현대카드) is a credit card company under Hyundai Motor Group headquartered in Seoul, South Korea. In 1995, Hyundai Motor Group acquired Diners Club Korea, changed its name to Hyundai Card in 2001. In May 2003, the company introduced its signature ‘Hyundai Card M,” followed by a series of ‘alphabet cards.’ The company’s strategic alliance with the GE Consumer Finance in October 2005 boosted the fledgling business in the heavily competitive Korean credit card market.
Boldklubben Frem is a Danish sports club based in the Valby-Sydhavnen area of Copenhagen. It is best known for its semi-professional football team. Since its foundation in 1886, Frem has won the Danish Championships six times and the Danish Cup twice. Until the disastrous bankruptcy in 1993, Frem had played in the top division all but six seasons. After the bankruptcy the club fought its way back to the top of Danish football, but in 2010 it went bankrupt again and was demoted to the Copenhagen Series—the fifth tier in the Danish league system. After two back to back promotions, the club now participates in the Danish 2. Division, the third tier.
The rights of lesbians, gays, bisexuals, and transgender persons in Denmark are some of the most extensive in the world.
Sweden does not currently use the euro as its currency and has no plans to replace the krona in the near future. Sweden's Treaty of Accession of 1994 made it subject to the Treaty of Maastricht, which obliges states to join the eurozone once they meet the necessary conditions. Sweden maintains that joining the ERM II is voluntary, and has chosen to remain outside pending public approval by a referendum, thereby intentionally avoiding the fulfilment of the adoption requirements.
A cashback website is a type of reward website that pays its members a percentage of money earned when they purchase goods and services via its affiliate links.
Same-sex marriage in the Faroe Islands, an autonomous territory within the Kingdom of Denmark, has been legal since 1 July 2017. Legislation allowing civil same-sex marriages and adoptions was approved by the Løgting on 29 April 2016. The Danish Parliament approved the necessary legislative adaptations on 25 April, and the law received royal assent on 3 May 2017 and went into effect on 1 July 2017.
Lesbian, gay, bisexual, transgender (LGBT) rights in Greenland are similar to those in Denmark. Same-sex sexual activity is legal, with an equal age of consent, and there are some anti-discrimination laws protecting LGBT people. Same-sex couples have had access to registered partnerships, which provided them with nearly all of the rights provided to married opposite-sex couples from 1996 to 2016. On 1 April 2016, a law repealing the registered partnership law and allowing for same-sex marriages to be performed came into effect.
Same-sex marriage in Greenland, an autonomous territory within the Kingdom of Denmark, has been legal since 1 April 2016. The territory had previously recognised registered partnerships, from 1 July 1996 until 1 April 2016.
Webloyalty is an online marketing company, part of Affinion Group, that runs reward programmes 'Shopper Discounts & Rewards' and 'Complete Savings'. These programmes require a monthly subscription in return for access to discounts similar to those on a cashback website. Previously, Webloyalty's marketing practices have attracted significant controversy and substantial lawsuits.
Agda Georgina Dorothea Alexandra Montelius née Reuterskiöld was a Swedish philanthropist and feminist. She was a leading figure of the Swedish philanthropy, active for the struggle of woman suffrage, and chairman of the Fredrika Bremer Association in 1903–1920.
LGBT rights in the European Union are protected under the European Union's (EU) treaties and law. Same-sex sexual activity is legal in all EU states and discrimination in employment has been banned since 2000. However EU states have different laws when it comes to any greater protection, same-sex civil union, same-sex marriage and adoption by same-sex couples.
General elections were held in Denmark on 5 June 2019 to elect all 179 members of the Folketing; 175 in Denmark proper, two in the Faroe Islands and two in Greenland. The elections took place ten days after the European Parliament elections.
ShopBack is a cashback reward program available across Asia-Pacific with over 5 million members on its platform. It allows online shoppers to take a portion of their cash back when they make a purchase through the platform. They also provide discount coupons, voucher codes, and even comparison features for online shopping, travel booking and food delivery. It is currently partnered with over 1,300 brands from all over the world, including online giants Amazon, Booking.com, eBay, ASOS, Zalora, Woolworths Online, Lazada, Uber, Grab, Shopee, Tokopedia, GoWabi, Blibli.com, Alibaba, and eBay.
UNICARD is a loyalty card scheme run by Universal Card Corporation. It is the most popular loyalty card in Georgia. First UNICARD was issued in 2010; Collection of loyalty points was available in more than 100 partner companies combining more than 500 leading trading points. Since 2016 more than 250 companies joined UNICARD network. Partner companies participating in UNICARD loyalty card program reward their customers every time card holders make a purchase.
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