Commerce is evolving—faster and smarter than ever.
As consumers adapt to a complex world shaped by digital innovation and economic shifts, retail and fintech are coming together to redefine how we shop, spend, and connect.
But with day-to-day challenges demanding attention, why look to trends that feel just over the horizon?
Because understanding the forces shaping tomorrow’s marketplace is the key to staying relevant today. From embedded payments to social commerce, the future is already unfolding.
In this whitepaper, you'll explore five essential trends at the intersection of retail and fintech—where technology meets trust, and innovation meets impact.
Download it and start shaping the future of commerce, one smart move at a time.

What will you see in this content?
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01
Intro: Fintech is fueling the retail revolution
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02
Return Risk Management, Powered by Tech
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03
The Payments Paradigm
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04
Innovation Unleashed: The Next Era of Retail & Fintech
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05
About MJV

The retail industry is undergoing a significant
transformation driven by the convergence of shifting
consumer behaviors and groundbreaking advancements
in financial technology (fintech).
About MJV
MJV Technology & Innovation is a global consulting firm that helps leverage business, foster innovation, and solve business challenges for some of the world’s largest companies.
Our assets:
- 25+ years of experience.
- Presence in the U.S., Europe, and LatAm.
- A global team with over 1,300 experts, including designers, engineers, anthropologists, data scientists, developers, and marketers.
Our five business pillars are:

Business Innovation

Technology & Data

Design & Experience

Sustainability & ESG Transformation
