We are in the midst of one of the most profound shifts ever in commerce. Technology is fundamentally changing how consumers behave all over the world. Five years ago we only "connected" to the Internet when we sat in front of a laptop or desktop computer. Today we connect to the web seven days a week, 24 hours a day through our smartphones and other connected devices. This is impacting every dimension of our lives, including how we shop and how we pay.
View the Entire Letter