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":"cc04059d74295586a962be12fba424f2","s":"838f8a210260d676"}
Share your thoughts. Click here