By comparing the participants’ answers in regards to the loyalty programmes of the three largest banks, it would appear that Einkaklúbburinn, the loyalty programme of Arion Bank, fulfils most the participants‘ needs despite not being foremost on their mind as the loyalty programme of Landsbanki, Aukakrónur, and the loyalty programme of Íslandsbanki, Fríða, were mentioned more frequently.
Í þessari rannsókn virðist sem fríðindaklúbbur Arion banka, Einkaklúbburinn, svari flestum þörfum þátttakenda. Þrátt fyrir það eru bæði fríðindakerfi Landsbankans, Aukakrónur, og fríðindakerfi Íslandsbanka, Fríða, þau fríðindakerfi sem voru efst í huga þátttakenda.