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While Black Friday 2025 is forecast to drive record spend (~£6.4bn), UK retailers face a "profitless prosperity." The cost of acquiring customers (CAC) during Q4 often spikes by 13%, while the Lifetime Value (LTV) of discount-driven cohorts drops by 9%. The strategic imperative is no longer generating demand, but filtering it for profitability.

A well-defined and integrated corporate culture is a key driver of customer experience, essential to the long-term success and sustainable growth of any organization. Corporate culture and customer relationships are two fundamental axes that, when aligned, transform an organization into a leader in its market. Indeed, the values, norms and practices shared within an organization influence the behavior of employees and determine the way they interact with each other and with c

The main challenge in regulating remittances is securing transfer systems while balancing transparency, costs and innovation.  The remittance market in Europe is a dynamic sector that plays a crucial role in the French and European economy. Knowing that for Eastern European countries, remittances represent a significant share of GDP, unlike Western and Central European countries. Europe is both a major sender and receiver of remittances, with billions of euros transferred eac