<strong>KEITH BOWMAN </strong> HARGREAVES LANSDOWN<br />I’m sure it’s being done as a way to fight back against the competition. There are groups of shoppers who chase the cheapest deal, so this may encourage more customer loyalty.<br /><br /><strong>NICK BUBB </strong> PALI INTERNATIONAL<br />It’s Tesco’s trump card. Whether it will attract away from the competition is another matter. WM Morrison doesn’t have a loyalty card and it hasn’t stopped it from driving sales.<br /><br /><strong>SAM HART </strong> CHARLES STANLEY<br />Clubcard has been rather stale and it’s a way of boosting its lagging sales which have recently been trailing its competitors. But it will always be tough to boost market share at the top.