Today’s consumers are exhibiting a new set of behaviors and expectations – creating disruption in the retail industry and pushing brands to become more nimble. Andre Kelleners of the Goldman Sachs Investment Banking Division explains how technological advancement is leading to more industry change than we’ve seen in decades. However, the rate of change differs by region. Kelleners explains the reasons behind a slower rate of adoption in the European market, “the complexity of having to deal with a number of different country’s regulatory environments, a marketplace that’s much more fragmented, and an industrial structure that has much more history with multigenerational companies.”