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Digital transformation in fashion industry

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  3. The fashion industry is undergoing largescale changes as a direct result of the rise of technology and its impact on consumer behaviour and must adapt. Digital transformation is the means by which brand and reputation can be protected in an uncertain and complex environment. The availability of big data and analytics can be used by fashion.
  4. Digital and analytics will play a critical role in helping companies emerge stronger from the crisis. Set an ambitious aspiration and define a clear road map. A digital and analytics transformation is typically an 18- to 24-month journey, requiring an ambitious aspiration, a clear plan, and concrete milestones
  5. g systems and strategies within a business through digital means. While this concept is not new, the fashion industry has broadened its digital transformation as a response to Covid-19, which forced industry players to find new solutions to new problems. 2. Breaking down digital transformation
  6. Digital Transformation in the fashion industry Leave a Comment / Digital Strategy / By Digital Fashion Academy Digital transformation has been on the agenda of Fashion companies for a few years now, however the changes that we can see in fashion companies to support the idea of digital-savvy fashion brands are still very few

Key takeaways. Throughout 2020 and into 2021, the pandemic has led to the rise of innovative technologies, impacting commerce, design, and business model in the fashion industry. Digital transformation has been notable in e-commerce, as many brands and retailers have begun adopting digital solutions to cater to consumers' shifting values and needs The customer's data is the core component of digital transformation in the fashion industry. So, hyper-personalization of mobile retail experiences will be huge in the near future. Today, dressing rooms enhanced with augmented reality and social media features have transformed the shopping experience altogether Digital Transformation. Digital transformation is the method by which brand and reputation can be protected in a complex and changing environment. The fashion industry is undergoing changes due to the rise of technology and its impact on consumer behavior is the push for the industry to adapt. Many brands have started various initiatives to.

Connected Retail Stores: The future of the high street

The digital transformation is already underway; are you ready? 02. The Challenge: Shoppers want more than an online store Revenue in the global eCommerce fashion industry is set to rise nearly 50% to $719 billion by 2022, according to a Shopify report, up from about $481 billion in 2018 The digital transformation is already underway - Are you prepared? Discover the challenges—and what retailers can do about them—facing the fashion & apparel industry in the midst of this digital shake-up. Download your FREE eBook now

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ColorDigital was founded in 2013 and has since worked to create the ideal digital hub that the fashion and textile industry needs to successfully complete the digital transformation. The biggest challenge is the required common language. The objective nature of these colors is the top priority and the most important success factor of the. Digital Transformation for the Fashion Industry. The retail, fashion, apparel, footwear, and clothing industries must drop its reliance on outdated software and manual processes to move rapidly into total digital transformation if it wants to survive and thrive in a post COVID 19 era Digital transformation is one of the most popular terms in the fashion industry to date, and we aren't taking the importance of it lightly. In the coming years, digital transformation innovations will help drive the next phase of advancements for the fashion, apparel, textile, and footwear industries

ASSOCIATED PRESS. Digital transformation of fashion design and manufacturing is viewed as both an opportunity and a threat, depending on who you ask. The perceived threats include job security. Why Digital in Fashion. An end-to-end digital transformation is the most effective way to address the key priorities of fashion companies over the next several years: creating compelling designs that capture the next trend while operating faster and more efficiently. Consumer Centricity The automotive industry started transitioning to digital workflows 20 years ago, and the fashion industry has fallen behind. Moreover, as IEMers we are the ones helping industries to become more. With that in mind, here are five digital trends transforming the fashion industry. Mobile marketing. More people use their mobiles to search online than any other device. And part of the allure of fashion is instant gratification — so mobile marketing is the ideal match Yet on a scale of 1 to 10 for digital transformation — 10 being a best-in-class technological company — Bain & Co. partner Claudia D'Arpizio rates the most advanced fashion players at 7, and.

Digital transformation in the fashion industr

The third wave of digital transformation regains focus on the consumer. During the second wave many fashion brands experience an identity crisis. They become so data-obsessed and data-centric that the human factor of fashion—the very primordial reason that the fashion industry is inspirational—is somehow lost in translation Fashion Digital Transformation. The world is going through yet another wave of digital disruption. WhichPLM is examining digital transformation in the fashion industry. Below, you will find exclusive posts exploring the critical difference between undifferentiated data and true intelligence, with a focus on the rapidly-emerging disciplines of. The picture drafted clearly shows how digital transformation, properly driven, could reshape the fashion industry into a more sustainable and truly customer-driven business. But, it also underlines criticalities and slowness of adoption by traditional established brands and companies

3D - Facilitating the digital transformation in the fashion industry. Despite the prospect of significant gains in efficiency and sustainability, 3D adoption within the apparel industry remains relatively slow compared to the otherwise fast-paced world of fashion. A lack of skilled workforce with practical know-how as well as direct. Surprising Enough, The Fashion Industry Can Teach Us A Lot About Digital Transformation. In this article published on businessoffashion.com, Vikram Alexei Kansara explores how the fashion industry, and luxury brands in particular, are adapting to the digital B2C landscape. It's a great piece that covers many points, including some that are. 19 April 2021 / Digital transformation. Digitalisation in the Retail is nothing new. Way before the pandemic, the fashion industry has been investing heavily in digital channels. As consumers became more demanding and new technologies emerged, the only way to survive was to meet expectations by offering a convergence of online and offline. COVID-19 Accelerating Fashion Industry Digital Transformation The COVID-19 pandemic has left scars on multiple sectors, including the fashion industry. It has heavily impacted on the shopping patterns, consumer behavior, manufacturing, the supply chain and more

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the digital fashion group academy Our mission is to advance fashion education through diversity and access, and by championing inclusion for lifelong learning in digital fashion. We aim to educate, provide, and promote digital fashion talent who will influence digital transformation in the fashion industry and society, for the good of society While digital transformation has sped up since the start of the pandemic, we are proud to partner with Lectra to support the acceleration of the digital transformation in the fashion industry While digital transformation has sped up since the start of the pandemic, we are proud to partner with Lectra to support the acceleration of the digital transformation in the fashion industry. Combined with the power of Microsoft Azure, the Kubix Link platform offers new opportunities to fashion brands in terms of agility, collaboration, and. Ultimate Guide to Digital Transformation in Fashion. Back to overview. Change - and the uncertainty it brings - hasn't always been a good friend of fashion. The industry has, for the most part, been procrastinating on some of the issues it has needed to solve for decades. Nowadays, how fashion brands embrace innovation, change, and.

The fashion industry's digital transformation: Now or

Fashion's digital transformation: Now or never Some apparel, fashion, and luxury companies won't survive the Amid the pandemic, the apparel, fashion, and luxury (AF&L) industry has moved quickly to address urgent public-health needs—closing stores, manufacturing much-needed items such as fac Fashion's Digital Transformation - 4 Critical TIps (2021) At first look, it may seem like the Covid-19 pandemic (and the limitations it has placed on brick and mortar operations) has been responsible for fashion's digital transformation in 2020 (e.g. moving to e-commerce and digitizing their operations). In truth, while the need for these. Digital Transformation Guide for the Fashion Industry. Andreea Pop October 14, 2020. This article will cover: when fashion ecommerce becomes essential; 5 things your fashion ecommerce website needs - and VTEX can provide; the beauty of omnichannel; marketplaces, the fashion ecommerce trend that is here to stay; the runway is collaborative Fashion's digital transformation: better, faster & cheaper. Key insights McKinsey & Company . A part of offline sales could permanently migrate to e-commerce. Digital is not only an increasingly important sales channel; it can also help companies adapt cost structures and make each step of the value chain better, faster, and cheaper.. Digitization can enable The digital transformation in the fashion industry is not a temporary hype, but has long since become reality in the world of fashion. Digitalisation has changed shopping habits, which in turn forces suppliers to adjust to constantly changing criteria

Video: The digital transformation of the fashion industry: Fad or

Is Digital Transformation a 'Do or Die' Moment for the Fashion Industry ? Digitalisation in the Retail is nothing new. Way before the pandemic, the fashion industry has been investing heavily in digital channels. As consumers became more demanding and new technologies emerged, the only way to survive was to meet expectations by offering a. Value creation. E-commerce outstanding grows in the Fashion Industry. The global online fashion market is predicted to reach $765 billion by the year 2022, making 36% of total fashion retail sales vs 27% from last year and 14% from 2014 (1). Thus, consumer behavior is shifting from brick and mortar to online super-fast over time Digital Transformation in Fashion Industry Date: 1 Dec 2017 (Friday) Time: 14:00 - 18:00 Venue: Chamber 1A & 1B, InnoCentre, 72 Tat Chee Avenue, Kowloon Tong Organizer: Hong Kong Association of Interactive Marketing (HKAIM) Time Details 13:30 - 14:00 (30 min) Registration & Networking 14:00 - 14:07 (7 min) Welcoming Speech by Mr. Ralph Szeto, Chairman, HKAIM & Mr. Stanley Chow, Director, CE Download the free Infographic to find out more about the Digital Trends in the global fashion e-commerce market Digital transformation is necessary to deal with sustainability pressures that currently face the fashion industry. As natural resources are dwindling, the cost of raw materials and carbon and financial costs of manual garment sampling and shipping back and forth from manufacturers in Asia to Europe and the US is also increasing

Digital Transformation in the fashion industr

  1. A view as to how the fashion industry is changing in relation to digital platforms comes from Deloitte Digital in Switzerland. In a new report the business analysis firm picks up four key digital.
  2. Digital transformation in the retail industry focuses on three important aspects: Customer experience: No retailer wants to deliver a bad customer experience. According to PwC's study, 32% of customers would stop interacting with a brand they loved after one bad experience. Source: PwC. Enterprise agility: Enterprise agility is not just about.
  3. g your business into a digital powerhouse is vital for a business's success in today's climate. From e-commerce to final product, you need innovative, digital solutions that connect your entire supply and ensure that your business remains agile and can keep up with consumer demands

Digital transformation: Fashion's reset from 2020 to 202

Unfortunately, we know that real digital transformation is yet to take place in the fashion industry. Since silk merchants began traveling between Asia and Europe centuries ago, very little has changed within the fashion supply chain. Particularly when we consider the methods for tracking orders with suppliers and manufacturers from overseas Discover The Digital Transformation in the Fashion Industry by Anonym and millions of other books available at Barnes & Noble. Shop paperbacks, eBooks, and more! Sweepstakes: Pre-Order to Enter for a Chance to Wi Every year the fashion industry drives a significant profit to the global economy. It is one of the biggest, yet most challenging industries impacted by hundreds of factors, including economic uncertainties and digital transformation

Digital Transformation in the Fashion Industr

The Global Digital Transformation in Fashion market industry 2019 Market Research Report is a professional and in-depth study on the current state of the Global Digital Transformation in Fashion market industry.   The report provides a basic overview of the industry including definitions and classifications. The Global Digital Transform The fashion industry is recognised to be one of the largest industries in the world. According to a survey conducted by Fashion United, its total revenue is valued at more than $3000 billion.

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Digital Fashion: Trends today and beyond. June 12, 2021 12:18 PM. The fashion industry suffered a massive blow during the pandemic. The retail stores are still on the road to revive even after the. Net-A-Porter and Farfetch disrupted luxury fashion retail by selling high-end goods online. As a result, LVMH and Kering are adjusting their strategy for the affluent Millennial shoppers. Learn how digital is transforming luxury retail and what 2018 has in store with our in-depth report on the future of luxury retail Virtual fashion shows have seen models across the globe turning their own homes into virtual runways. These online events have benefited from a greater participation, and of course have reduced negative environmental impacts as well. Ultimately, in today's digital era, almost all brands benefit from a strong digital presence Over the past month, the famously fast-moving fashion industry has been forced to slow down, or in some cases, come to a screeching halt. UK fashion giant Topshop furloughed 14,500 of its 16,000 staff at the beginning of April, with many other high street retailers following suit. Depleted design and production teams are proceeding cautiously, looking to reduce their production runs by up to. The indepth cooperation between EEKA Fashion and Nutanix will inspire and become a reference for the digital transformation of China's fashion industry. Wu Qingye, Vice President, EEKA Fashion Holdings Ltd

Digital Transformation of the Fashion Industry - BSAMPL

Digital transformation strategies have continued to push new boundaries of innovation that converge new technologies like artificial intelligence (AI), machine learning (ML), the internet of things (IoT) and robotics to give birth to the fourth industrial revolution. Industry 4.0 - What it Really Mean Speaker: Anne-Christine Polet, SVP Digital, PVH EuropePVH Europe is on a mission to embrace digital along all the steps of the company's value chain. Four ye.. Digital Transformation Solutions; The fashion industry is a broad term encompassing many different disciplines, ways of working and types of expertise. Your PLM solution and your PLM vendor should have experience in your specific fashion or apparel sector

CGS has launched the BlueCherry Next platform, which is designed to allow retailers, wholesale brands and manufacturers to accelerate their digital transformation.. The global provider of business applications, enterprise learning and outsourcing services says the new platform will ensure businesses' supply chains become more resilient by improving agility, transparency and near-shoring. The digital transformation, delivered in July 2020, saw Monsoon Accessorize upgrade from its old legacy ecommerce platform, in a bid to capitalise on the accelerated global digitisation of fashion retail and grow its ecommerce business. The new solution, delivered in partnership with Astound Commerce, has integrated Salesforce Commerce. This is the definition of digital transformation in retail - what it takes to move from a buy low/sell high model that is product-centric, to an insight-driven model that is customer-centric

This digital transformation trend will continue to grow in 2021. While experiential in-store retail will remain essential for luxury brands, digital channels will continue to evolve both as sources of inspiration and as sales channels - elevating ecommerce to a new level Since 1999, Browzwear has been driving digital transformation in the apparel industry through the power of true-to-life 3D prototypes that make it easy for everyone involved in the creation and production of garments to collaborate, iterate, and get items to market faster than ever before

eBook: Digital transformation in the fashion industr

  1. IDC MarketScape names Bain & Company as a leader in digital strategy consulting services. IDC MarketScape recommends Bain & Company for digital transformation engagements for its ability to combine deep industry and client knowledge with a strong pragmatic focus. Press release. Vector: Digital Delivery. Jun 24, 2021
  2. Finally, digital transformation is described as the total and overall societal effect of digitalization. Digitization has enabled the process of digitalization, which resulted in opportunities to transform and change existing business models, consumption patterns, socio-economic structures, legal and policy measures, organizational patterns.
  3. In this Digital transformation for small business series video, Sankar & Anusha are discussing about, how to do digital transformation for small businesses i..
  4. Digital Transformation in the Fashion Industry. Trends come and go - especially in fashion. The speed at which trends change has increased immensely due to digitalization. Nowadays, consumers expect new products and styles all the time. In order to meet the consumers' need for speed, it's imperative for companies to reduce time-to-market

Digital transformation is about changing ingrained perceptions about what a brand is, does, and says, and improving consumers' relevance. While the change towards omni-channel is real and evolving, most fashion revenues are still driven by offline, physical channels A new set of guides for various industries to help them in Digital Transformation. Each time we create a video under this Digital Transformation Series, we plan to cover from the basics after all research and the experience we have gained over these years. This time we have tried to dig deeper into the fashion industry DeSL x WhichPLM: Digital Transformation in Fashion. Many fashion companies have already invested in fashion information technology by deploying PLM solutions. These methods are no longer sufficient to deliver what is required today. Progressive companies are now realizing that they must fundamentally change the way they have previously operated Digital Transformation in Fashion Market Analysis by Industry Trends, Size, Share, Company Overview, Growth, Development and Forecast by 2026-2026 By [email protected] on March 2, 2021 Digital Transformation in Fashion research reports can be a profound and in-depth study of current market conditions

The industry is full of experts telling fashion retailers that they need to undergo digital transformation - almost every presentation from sales people, or even within your own business, tells you that you need to do this. Yet few of these presentations describe what it is you should do, let alone what it actually means Threads - digital transformation in the fashion industry. By Motlagae Konyana. The rise of mobile and e-commerce is relevant in the fashion industry, yet some fashion brands are slow to keep up and could do with progressing faster in the mobile department. Fashion brands need to establish ways in which customers can engage with the brands. Over the past five to ten years, the retail industry has changed radically. These changes are clearly seen in the fashion industry, with the advent of e-commerce and fast fashion. While Amazon has transformed the e-commerce space and forced apparel companies to establish themselves online, fast fashion brands, of which Zara is one of the most. According to Forbes, 3D printing will be a $3.1 billion industry by 2016 and a $5.2 billion industry by 2020. I think those predictions are too conservative. To understand how 3D printing will transform the fashion industry in the years ahead, compare and contrast life today with life before computers and smartphones and the internet Retail digital transformation is moving forward at previously unknown speeds. To capitalize on this momentum of transformation retail CIOs must use these top trends identified by Gartner to inform technology investments and other strategic decisions. This e-book will help you: Gain insight into top retail trend

Purchase the What the US Fashion Industry Can Teach Others About Digital Transformation strategy briefing as part of our apparel and footwear market research for May 2021. Euromonitor International is the leading provider of strategic market research reports Current Situation and Prospect of Digital Transformation in Apparel Industry under the Impact of COVID-19 Pandemic. Trends and Prospects: The Development of Global Fashion Industry and Customer Insights in the Digital Age. The Power of Digital in Transforming and Revolutionizing the Apparel Sourcing and Supply Chai Yes, digital transformation is important. But it is just a piece of the puzzle, and the only way we will understand the rest of the picture is by focusing on the business models. We hope to continue this discovery for the future of fashion, but also explore new industries to kill Ubiquity of the digital . The fashion industry is still undergoing a transformation and there are both high-end as well as local brands that have adjusted well to digital innovations. As digital. Digital transformation in the fashion industry brings a lot to the table, but if ignored, it can unravel everything else. In response to this digital wave, many fashion brands are now under pressure to innovate while at the same time being cost-conscious

Big Data & End-to-End Digital Transformation: technology is transforming the apparel business - manufacturers use robots to sew and cut fabric. Artificial Intelligence to forecast styles and optimize production; According to a survey of fashion industry professionals, 78% of brands implemented influencer marketing campaigns in 2017, up. BCG delivered an AI transformation at a global fashion retailer, in close partnership with the client's internal team. Using our technology partners, including BCG GAMMA and Platinion, the team leveraged AI to improve forecasting and pricing for more than 10,000 products, optimize inventory across more than 3,000 stores, and generate over.

Driving digital transformation in the fashion and apparel

  1. Digital marketing trends are revolutionizing how the beauty industry markets and projects to customers. Much like the fashion industry, there's lots of new hurdles and new territory to be conquered, but there are plenty of ways to come out on top of the marketing game. Several brands in the beauty industry are already succeeding with digital.
  2. The rapid transformation that we are witnessing in the retail industry today is underlined by the proliferation of digital technologies and the resultant impact on buying behavior. A case in point is m-commerce and its elevation to the mainstream
  3. The fashion industry has the money and creative talent to not only keep up with the tech industry but also push it and offer a vision for new ways to encompass tech in our day-to-day lives
  4. JOOR, the world's driving digital wholesale stage for fashion, delivered its development figures for the second 50% of 2020. After markets and businesses were forced to closed down during Covid-19 lockdowns, the business owners had no other choice but to make use of the virtual channels that were available to stay afloat for their business
  5. How Skmmp styled the digital transformation of the fashion industry. by John Kennedy. 15 Oct 2018. Carville has more than 20 years' experience in the luxury fashion industry
  6. Disruption In Retail Through Digital Transformation The retail industry is most impacted by consumer demand as today's consumers want immediate, easy, 24/7 shopping experiences Next Articl
  7. Wholesale Fashion Industry Demonstrates Resilience Through Digital Transformation. Newly released data from JOOR shows brands and retailers maintaining business continuity amidst ongoing pandemic. JOOR, the world's leading digital wholesale platform for fashion, today released its growth figures for the second half of 2020
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ColorDigital - Digital Transformation in the Textile and

Wholesale Fashion Industry Demonstrates Resilience Through Digital Transformation. NEW YORK, Dec. 09, 2020 (GLOBE NEWSWIRE) -- JOOR, the world's leading digital wholesale platform for fashion, today released its growth figures for the second half of 2020. These data points illustrate how COVID-19 has ushered in an entirely new blueprint for. Digital transformation is the modern-day fight to survive the existential threat of digital disruption caused by the Fourth Industrial Revolution. Half the companies on the Fortune 500 list will turn over in the next decade — and the average lifespan of an S&P 500 company has plummeted from sixty years in the 1950s to twenty years today Top industry trends leading digital transformation in 2021. In October, McKinsey & Company* wrote that B2B sales leaders have moved from being forced to adopt digital in reaction to the widespread shutdowns in the early stages of COVID-19 to a growing conviction that digital is the way to go.. Our data supports this level of. No industry has been immune to the seismic shifts caused by the growth of the digital landscape. Driven by digital disruption, t he fashion industry in particular has been subject to heavy transformation in the recent years. In comparison, the jewelry sector has remained relatively traditional Innovation is transforming the fashion industry every day, and we are embracing this new normal, integrating digital technology into every area of our business—from internal processes to consumer-facing touch points, says Daniel Grieder, CEO, Tommy Hilfiger Global and PVH Europe

Digital Transformation Fashion Industry - Download the

PARIS, Feb. 4, 2021 /PRNewswire/ -- Today, Lectra announces its partnership with Microsoft, which will help brands and retailers in the fashion industry focus on both.. Fashion brand optimizes products, people and process in partnership with Centric Software. CAMPBELL, Calif., June 17, 2021 /PRNewswire-PRWeb/ -- Shanghai Yuanfan Fashion Women's Clothing Co., Ltd. Read the next article in this theme. Media is one of six industries (along with automotive, consumer, electricity, healthcare, and logistics) that have been the focus of the World Economic Forum's Digital Transformation of Industries (DTI) 2016 project.An overview of the DTI program can be found here. Our in-depth findings about the digital transformation of the media and entertainment.

Fashion brand optimizes products, people and process in partnership with Centric Software. Yuanfan Drives Digital Transformation with Centric PLM. The implementation of Centric PLM is an opportunity to optimize our end-to-end product development chain. CAMPBELL, Calif. (PRWEB) June 17, 2021 Second, look at some of the metrics that are coming out in the marketplace of companies that do adopt the digital mindset, digital optimization, and digital transformation

How Digital Transformation is Fundamentally Changing the

Digital transformation is as much a cultural and business transformation as it is a technological one. It is a fundamental rethinking of customer experience, business models, and operations. It's about finding new ways to deliver value, generate revenue, and improve efficiency The physical store is still vital to retail - watch the full infographic on SlideShare Digital transformation in the retail industry: technologies. Research by OVUM (PDF opens) indicated that managing customer engagement is the biggest challenge for retailers and shows how technology is changing the way we shop.. When asked about how technology will change the shopping experience by 2020, a. According to experts, the fashion industry has experienced a profound digital boom over the past two years. The crisis has accelerated the use of digital tools and helped entrepreneurs move toward digital transformation. This significant shift underscores the importance of technological advancements for the fashion industry, which is considered. SHIMA SEIKI Releases New APEXFiz Design Software To Aid In The Digital Transformation Of The Fashion Industry Image Courtesy of Shima Seiki SHIMA SEIKI MFG., LTD. of Wakayama, Japan, together with its Hong Kong subsidiary SHIMA SEIKI (HONG KONG) LTD., will participate in the 36th Session of SPINEXPO in Shanghai, China in April

The bargaining power of buyers. Perhaps the strongest of the five forces impacting industry competition is the bargaining power of buyers since the biggest driver of digital business comes from. In fact, technology is driving digital transformation and creating a futurescape where artificial intelligence (AI), the Industrial Internet of Things , automation, and blockchain are converging in what some futurists call the fourth industrial revolution or Industry 4.0. Digital transformation marks a radical rethinking of how organizations. Simplify and accelerate your digital transformation. Support critical business processes on your path to innovation and digital transformation with holistic, end-to-end services that reflect over 40 years of knowledge, experience, and innovation In fact, say digital experts, AI will be the key to delivering business outcomes with digital transformation. AI is one of the technologies that will help standardize the digital transformation market and turn the wildly loose use of the term 'digital' into tangible business results, the TBR analysts wrote in a September 2019 Digital.

Analyzing COVID-19's effect on the clothing industry. While COVID-19 hit the textile and apparel industry especially hard, businesses with a strong online presence, several manufacturing locations. Adaptive retail is the new imperative for retailers. With global disruption, external pressures and responsibilities, retailers need to be able to adapt—fast. Adapting means evolving, and evolution is how to stay resilient. Retailers need to adapt across three elements: Adapt to new climates —including social, economic, and environmental

Is Digitization The Savior Of The Fashion Industry

A digital-first mindset is essential for businesses that want to stay relevant and competitive in the Digital Economy. I am heartened to see the industry coming together to offer innovative digital solutions to help our businesses on their digital transformation journey, said IMDA Chief Executive Tan Kiat How The driving forces are transforming the Digital transformation in Banking, Financial Services, and Insurance industry with growth remains elusive and ROEs remain quite low. Technology is rapidly.

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