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Online shopping and banking emerged around the same time in the mid-1990s, but arguably the retail industry has been faster to evolve and introduce new technologies, taking the in-store and web shopping experience to a new level by quickly harnessing new technology like QR codes and augmented reality. Financial institutions have been more cautious, held back by their own technology infrastructures and the limitations of legacy software, which is unable to cope with the demands of emerging cloud and mobile applications.

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