While there may be decoupling in the physical, commerce and consumer markets, there is no decoupling in the financial markets.

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Indeed, shoppers are demanding new buying experiences, ones integrated between e-commerce, physical stores, on their smartphones and their social networks.

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In the US, traditional incumbents are beginning to move from physical retailing to e-commerce, but most retain a heavy cost footprint in brick-and-mortar form factor.

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