Here are the retail trends that we’ll be looking at that have implications for the credit union industry:

• The Rise of Omnichannel Shopping

• Mobile’s Momentum

• Big Data and Personalization

• Redefining the Brick-and-Mortar-Store

• New Retail Concepts Birth Customized, Crowdsourced Merchandise

• The Rise of Social Networks Amid the Millennial Revolution

2

The Rise Of Omnichannel Shopping

• Online shopping is reducing shoppers’ trips to Brick-and-Mortar Stores

• Stores are adding buy online, pick up in store options to win back business

3

Mobile’s Momentum

• Americans spend more time on a mobile device than watching TV

• Smartphone owners spend more money in stores than their non-owning counterparts

4

Big Data and Personalization

• Big data is gleaned from shoppers’ online purchases and activity on social networks

• Retailers like Amazon are sending shoppers more personalized merchandise offers

5

Redefining the Brick-and-Mortar Store

• Stores are being designed to entertain and engage shoppers

• Digital technology is enhancing and simplifying in-store shopping

6

. New Retail Concepts Birth Customized, Crowdsourced Merchandise

• Online retailers are offering one-of-a-kind, customized products

• Shoppers have a say in what products get sold via crowdsourcing

7

The Rise of Social Networks Amid the Millennial Revolution

• The Millennial generation will be the biggest consumer-buying group by 2020

 • They use sites like Pinterest and Instagram as “social

shopping” venues

8

The Rise Of Omnichannel Shopping

• Online shopping is reducing shoppers’ trips to Brick-and-Mortar Stores

• Stores are adding buy online, pick up in store options to win back business

9

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Mobile’s Momentum

• Americans spend more time on a mobile device than watching TV

• Smartphone owners spend more money in stores than their non-owning counterparts

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Source: eMarketer, “US Mobile Payments to Top $1 Billion in 2013, “ July 11, 2013.13

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Big Data and Personalization

• Big data is gleaned from shoppers’ online purchases and activity on social networks

• Retailers, like Amazon are sending shoppers more personalized merchandise offers

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16

Redefining the Brick-and-Mortar Store

• Stores are being designed to entertain and engage shoppers

• Digital technology is enhancing and simplifying in-store shopping

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1919

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. New Retail Concepts Birth Customized, Crowdsourced Merchandise

• Online retailers are offering one-of-a-kind, customized products

• Shoppers have a say in what products get sold via crowdsourcing

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The Rise of Social Networks Amid the Millennial Revolution

• The Millennial generation will be the biggest consumer-buying group by 2020

 • They use sites like Pinterest and Instagram as “social

shopping” venues

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Source: “Who Are the Millennial Shoppers? And What Do They Really Want?” Accenture, June 201326

27Source: 8thBridge’s Third Annual Social Commerce IQ Study

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