The major forces and technology that will drive the way people bank, spend, invest, shop, interact, and stay healthy in 2022

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The past two years amid a global pandemic have accelerated digital transformation and consumer behavior in ways few experts could have anticipated. As we move into 2022, the major forces and technology that drive the way people bank, spend, invest, shop, interact, and stay healthy still exist. Keeping up with those elements is no easy feat.

Coming out of the pandemic, consumers' rising expectations for convenience and innovative shopping experiences will compel retailers to bridge physical and digital retail.The pendulum swings back to physical retail with the resurgence of brick-and-mortar in 2021.

In-store sales surged by 15.4% this year as lockdown orders eased, and although growth will temper in 2022, brick-and-mortar will still comprise 83.9% of total retail sales, per our estimates. Shoppers are returning to stores armed with newfound appreciation for tools that connect digital and physical shopping experiences, like...

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