Retail
May 31, 2019
Discretionary spending patterns have remained surprisingly consistent. Image credit: Montblanc
By Sarah Ramirez
While consumer demographics have become more diverse and customer needs are more varied, individuals' spending habits are largely in line with those seen a few decades ago.
{"ct":"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","iv":"8cfe3188c2d30168f890bb2279cf1686","s":"2a2391535bec9acb"}
Share your thoughts. Click here