In this opinion piece by software company ACF Technologies explains, shopping has moved online and physical stores are dying in their thousands. But survival is possible – if brands embrace the power of tech, particularly in terms of the CX (customer experience) to personalise the in-person experience.

Using the data provided by wearable tech such as sports watches and smartphone health apps could highlight serious medical issues in real-time and – if allied to NHS IT processes – automatically trigger a clinical reaction without the normal GP referral process, potentially saving thousands of lives and billions of pounds a year. So says medical health expert, Ashley Davids.

With the future of bank branches in peril and digital finance at an all-time high, the banking world is leaving a lot of people behind, says Newcastle Building Society’s head of customer contact Stuart Fearn.