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Book Now Button Rapid consolidation in the 1990s led to airline tickets, hotel stays, car rentals, cruises and vacation packages becoming bundled into a single shopping experience. (Photo: Shutterstock)

Technology has brought fundamental shifts to virtually every industry. Some, such as property and casualty, have been fast to build technology and adapt how they do business to avoid losing a direct connection with the consumer. Others, like brick-and-mortar retail, have not, and have essentially lost the consumer altogether.

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