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Cathy Hotka

Principal
Cathy Hotka & Associates

These programs are frictionless ways to encourage certain behaviors. The added benefit is that most of these programs' participants are relatively affluent.

Busy consumers value programs like this. They provide relevant offers and value to their vendors.

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Millennials are attached to their phones at all times! But they're also cynical about the ways that social media companies leverage their information. The bigger opportunity is in the Internet of Things, which will create ubiquitous communication to drive custom environments.

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140,000 people is enough of a groundswell to bring back a discontinued brand, and it'll be sold only online? Who buys soft drinks online?

This sounds purely like a publicity stunt. There's clearly a niche demand for old-timey brands (look up Quisp cereal) but it doesn't mean there's a business...

It would be interesting to know how much the grocery department contributes to Target's bottom line. IMHO, every box of cookies that Target carries takes away floor space for the cheap chic items that made Target's reputation in the first place.

The current ad for Altuzarra is sexy, compelling...and has...

Apple Pay makes for an exciting story! But expect adoption to be slow. A lot of consumers will have to be convinced that their data will remain protected. With a choice between shaving off a few seconds and having a safer transaction, consumers will choose safety.

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Once again, this breach proves that companies that are diligent about data security can be breached. The question is whether other retail companies will learn from this and seek out professionals to manage their corporate data assets. Retailers can no longer claim to be surprised by unfortunate news stories...

We have an odd proclivity. We celebrate top executives as "geniuses" when their companies are growing, and when they're making huge mistakes (here's looking at you, Jamie Dimon) we think it's fine that they are awarded huge bonuses. You just can't have it both ways.

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America has too many stores, including office supply stores. Acquiring a competitor and adding more stores looks like a short-sighted move in 2014, when so much business is being conducted online. A move like this makes sense only if the acquired party sheds a lot of marginal stores.

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Walmart should have opened small-format stores decades ago.

If Walmart decides to pursue Family Dollar, they should leverage Family Dollar's learnings around small-format operations, and not attempt to impose Walmart's large-format processes. Why throw away Family Dollar's demonstrated expertise?

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Yes, and personal hovercrafts and picture phones are right around the corner.

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