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":"ed2afea96f3146e96437cb65b32176f6","s":"ab5482231b2be7b4"}
Share your thoughts. Click here