Loyalty Peter J. Danaher • Isaac W. Wilson • Robert A. Davis Department of Marketing, University of Auckland, Private Bag 92019, Auckland, NewZealand DataMine Ltd., Wellington, NewZealand Department of Marketing, University of Auckland, Private Bag 92019, Auckland, NewZealand p.danaher@auckland.ac.nz • Isaac@datamine.co.nz • r.davis@auckland.ac.nz