“…The results are partially consistent with the results of related research (Danojević, 2016;Plazibat et al, 2016;Drinčić, Vranješ, & Gašević, 2014) that customers' expectations statistically significantly differ in regard of the benefit they receive from certain indicators of the loyalty program in retail sector. Conducted analysis and testing, as well as presented regression models, show to the management of retailers how to improve their own loyalty programs, so that indicators that to the greatest extent, in accordance with the above regression models, affect the use of loyalty cards, are offered and promoted to a certain group of customers (EU/non-EU countries).…”