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":"f137be806c1abae68f8518f09d4cf531","s":"9f66dc314098a6e4"}
Share your thoughts. Click here