encouraging repeat business and growing your reputation through referrals has always been critical to survival, but is becoming more challenging. The revolution in spending habits is seeing consumers change their preferences from traditional bricks and mortar stores to online. This is being driven by the popularity of influencers on social media, the desire to complete a purchase quickly, the convenience of short, sometimes same-day shipping times – and financial services such as, buy-now, pay-later providers. It’s a world in complete flux and retailers who may be used to a more measured approach to change, need to transform rapidly, or lose out to more agile competitors.