Again, applying smart commerce allows retailers to dynamically modulate how they price, charge and incent their customers based not just on a single checkout transaction but if their customers see the benefit in opting-in to get lower prices it can be based on the complete history of their interactions with that customer.

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And if a faulty computer model leads a bank to make deals at too low a price, the problem is likely to afflict an entire series of trades, rather than just a single transaction.

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