The Bits Matter Podcast

The Element Group

'The Bits Matter Podcast' - the leading resource for retail bankers. This podcast brings to light what community banks and credit unions can do to be affective in an industry dominated by big-name national banks that cover much of the country’s financial services. Through discussions on branch staff training, choreography, digital signage, architectural design and space planning, promotional items and brand extension, and more - an idea hub of 'bits' that matter, the podcast pulls insight from industry leaders, for industry leaders, about what it means to operate from the retail mindset.

Episodes

  1. Season 2 - Episode 6: A Strategic Approach to Branch Design: Aligning Design, People, and ROI 

    09/23/2025

    Season 2 - Episode 6: A Strategic Approach to Branch Design: Aligning Design, People, and ROI 

    🎧 S2E6: A Strategic Approach to Branch Design - Aligning Design, People, and ROI   For new branches and major renovations, ROI is more than a year-one scoreboard. In this season finale, host Doug Ridley talks with Marc Healy about how early staff engagement, consultative training, and brand-aligned environments translate design choices into measurable results.  They discuss why planning year one during the design phase matters because it allows branches to recruit and train for proactive conversations. If you are preparing for budget season, this episode shows how to connect strategy, people, and place to drive satisfaction, retention, and long-term ROI.    SHOW NOTES:  Link to show notes:  https://www.everybitmatters.com/blog/  ABOUT THE HOST:  A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts and Marceting Strategist at Vital Design where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden.  ---  ABOUT THE GUEST:  Marc's career spans over 35 years, with experience in marketing, sales, and finance including Assistant VP of Retail Sales and Branch Operations at Desert Financial Credit Union, Director of Member Solutions at Boeing Employees Credit Union (BECU), VP and Manager at KeyBank, and Item Processing and Cash Management Specialist at Pacific First Bank.   ABOUT THE ELEMENT GROUP:  The Element Group is a full-service design-build firm dedicated to transforming community banks and credit unions nationwide. With the motto “Every Bit Matters” we specialize in delivering memorable and future-facing retail branch environments that help financial institutions stand out and grow   From architectural and interior design to graphic design, digital signage, promotional products, and training, The Element Group offers a collaborative, end-to-end solution tailored to each client’s unique goals.  Website: https://www.everybitmatters.com/  LinkedIn: https://www.linkedin.com/company/theelementgroup/   YouTube: https://www.youtube.com/channel/UCXNCw9-DzVuK9zJO1F1Rzkw   Apple Podcasts: https://podcasts.apple.com/us/podcast/the-bits-matter-podcast/id1806201956   Instagram: https://www.instagram.com/everybitmatters/

    8 min
  2. Season 2 - Episode 5: A Strategic Approach to Branch Design: Adopting a Retail Mindset 

    09/15/2025

    Season 2 - Episode 5: A Strategic Approach to Branch Design: Adopting a Retail Mindset 

    🎧  S2E5: A Strategic Approach to Branch Design: Adopting a Retail Mindset  Branches that win don’t just look good; they engage, differentiate, and create memorable experiences. In this episode of The Bits Matter Podcast, host Doug Ridley sits down with Marc Healy, Executive Director of Sales and Business Development at The Element Group, to explore why banks and credit unions need to adopt a retail mindset.  From interactive technology and intentional design choices to building genuine customer relationships, Healy shares how institutions can move beyond transactions to create engaging experiences for consumers.  SHOW NOTES:  Link to show notes:  https://www.everybitmatters.com/blog/  ABOUT THE HOST:  A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts and Marceting Strategist at Vital Design where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden.  ---  ABOUT THE GUEST:  Marc's career spans over 35 years, with experience in Marceting, sales, and finance including Assistant VP of Retail Sales and Branch Operations at Desert Financial Credit Union, Director of Member Solutions at Boeing Employees Credit Union (BECU), VP and Manager at KeyBank, and Item Processing and Cash Management Specialist at Pacific First Bank.   ABOUT THE ELEMENT GROUP:  The Element Group is a full-service design-build firm dedicated to transforming community banks and credit unions nationwide. With the motto “Every Bit Matters” we specialize in delivering memorable and future-facing retail branch environments that help financial institutions stand out and grow   From architectural and interior design to graphic design, digital signage, promotional products, and training, The Element Group offers a collaborative, end-to-end solution tailored to each client’s unique goals.  Website: https://www.everybitmatters.com/  LinkedIn: https://www.linkedin.com/company/theelementgroup/   YouTube: https://www.youtube.com/channel/UCXNCw9-DzVuK9zJO1F1Rzkw   Apple Podcasts: https://podcasts.apple.com/us/podcast/the-bits-matter-podcast/id1806201956   Instagram: https://www.instagram.com/everybitmatters/

    17 min
  3. Season 2 - Episode 4: A Strategic Approach to Branch Design: Cost Savings

    09/09/2025

    Season 2 - Episode 4: A Strategic Approach to Branch Design: Cost Savings

    A Strategic Approach to Branch Design:  Cost Savings - LINK IN BIO   When a bank or credit union takes on a branch project, the focus is usually on how much it will cost to build. But what often gets overlooked is how much can be saved with the right strategy in place.  In this episode of the Bits Matter Podcast, host Doug Ridley sits down with William Foley, co-founder of The Element Group, to discuss where the biggest savings come from. They cover everything from stakeholder alignment and budget checkpoints to shrinking square footage and smarter site planning. The goal is to help institutions save while creating branches that are efficient, welcoming, and built for growth.  S2E4: ”A Strategic Approach to Branch Design: Cost Savings”   SHOW NOTES:  Link to show notes:  https://www.everybitmatters.com/blog/ ABOUT THE HOST:  A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts and Marketing Strategist at Vital Design where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden.  ---  ABOUT THE GUEST:  William Foley: When he is not golfing, skiing or relaxing with family, William is hard at work ensuring that the company he co-founded continues to thrive. After studying at Utica College, William began his career in the design-build industry. Nearly thirty years of experience have equipped him with extensive upper-level knowledge in finance, sales, design, build, merchandising, and digital.   ABOUT THE ELEMENT GROUP:  The Element Group is a full-service design-build firm dedicated to transforming community banks and credit unions nationwide. With the motto “Every Bit Matters” we specialize in delivering memorable and future-facing retail branch environments that help financial institutions stand out and grow   From architectural and interior design to graphic design, digital signage, promotional products, and training, The Element Group offers a collaborative, end-to-end solution tailored to each client’s unique goals.  Website: https://www.everybitmatters.com/  LinkedIn: https://www.linkedin.com/company/theelementgroup/   YouTube: https://www.youtube.com/channel/UCXNCw9-DzVuK9zJO1F1Rzkw   Apple Podcasts: https://podcasts.apple.com/us/podcast/the-bits-matter-podcast/id1806201956   Instagram: https://www.instagram.com/everybitmatters/

    9 min
  4. Season 2 - Episode 3: A Strategic Approach to Branch Design: Hidden Costs

    08/26/2025

    Season 2 - Episode 3: A Strategic Approach to Branch Design: Hidden Costs

    As banks and credit unions prepare for 2026 budget season, many leaders underestimate the hidden costs that quietly creep into branch projects. Host Doug Ridley speaks with William Foley, Co-Founder of The Element Group, about the expenses that rarely appear in early spreadsheets but can quickly impact budgets, timelines, and long-term performance.  From square footage inefficiencies and technology infrastructure to staff training, digital signage, and regulatory fees, Foley outlines ten common pitfalls that institutions overlook. He also shares four proven strategies for controlling costs, including appointing a single decision maker, setting realistic approval timelines, running in-person workshops, and working with an industry partner who understands the realities of branch transformation.  S2E3: ”A Strategic Approach to Branch Design: Hidden Costs”   SHOW NOTES:  Link to show notes:  https://www.everybitmatters.com/hidden-costs-branch-projects/ ABOUT THE HOST:  A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts and Marketing Strategist at Vital Design where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden.  ---  ABOUT THE GUEST:  William Foley: When he is not golfing, skiing or relaxing with family, William is hard at work ensuring that the company he co-founded continues to thrive. After studying at Utica College, William began his career in the design-build industry. Nearly thirty years of experience have equipped him with extensive upper-level knowledge in finance, sales, design, build, merchandising, and digital.   ABOUT THE ELEMENT GROUP:  The Element Group is a full-service design-build firm dedicated to transforming community banks and credit unions nationwide. With the motto “Every Bit Matters” we specialize in delivering memorable and future-facing retail branch environments that help financial institutions stand out and grow   From architectural and interior design to graphic design, digital signage, promotional products, and training, The Element Group offers a collaborative, end-to-end solution tailored to each client’s unique goals.  Website: https://www.everybitmatters.com/  LinkedIn: https://www.linkedin.com/company/theelementgroup/   YouTube: https://www.youtube.com/channel/UCXNCw9-DzVuK9zJO1F1Rzkw

    13 min
  5. Season 2 - Episode 2: A Strategic Approach to Branch Design: Risk Mitigation

    08/19/2025

    Season 2 - Episode 2: A Strategic Approach to Branch Design: Risk Mitigation

    As banks and credit unions head into 2026 budget season, leaders are weighing how to mitigate risk in upcoming branch projects. Host Doug Ridley speaks with William Foley, Co-Founder of The Element Group, about the strategies institutions can use to avoid costly surprises, from ongoing budget checks and contingency planning to navigating zoning delays and hidden construction costs. They also discuss the importance of governance, designating a single decision-maker, and selecting the right design-build partner. This episode offers practical guidance for executives looking to keep their next project on time, on budget, and aligned with long-term growth goals.  S2E2: ”A Strategic Approach to Branch Design: Risk Mitigation”     SHOW NOTES: Link to Show Notes: https://www.everybitmatters.com/mitigating-risk-branch-project/   About the Host: Doug Ridley: On Instagram, Doug describes himself as “a summer camp evangelist….” and a “napping connoisseur.” His feed is full of bright and beautiful images showing the special moments of life and reflect his focus on the things that make life rich. A graduate of The College of Saint Rose with a BFA in Sculpture, Doug brings an aesthetic and attentive eye to all that he does. Having spent the first part of his career as the YMCA, Doug lives by the values of caring, respect, responsibility, and honesty. A consummate foodie and seacoast explorer, Doug can often be found exploring good eats, supporting local haunts, participating in outdoor sports clubs, and volunteering at charity events. A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts at Vital Design where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden. ---   About the Guest:  William Foley When he is not golfing, skiing or relaxing with family,William is hard at work ensuring that the Company he co-founded continues to thrive. After studying at Utica College, William began his career in the design build industry. Nearly thirty years of experience has equipped him with extensive upper-level knowledge in finance, sales, design, build, merchandising, and digital. William wants to see The Element Group continue to grow, become “top-of-mind” for clients and prospects, increase in size and national physical presence, and grow its employee base, sourced from the industry’s best. About The Element Group: The Element Group is a full-service design-build firm dedicated to transforming community banks and credit unions nationwide. With the motto “Every Bit Matter” we specialize in delivering memorable and future-facing retail branch environments that help financial institutions stand out and grow   From architectural and interior design to graphic design, digital signage, promotional products, and training, The Element Group offers a collaborative, end-to-end solution tailored to each client’s unique goals.    Website⁠ - LinkedIn⁠ - YouTube - Apple Podcasts - Instagram

    10 min
  6. Season 2 - Episode 1: A Strategic Approach to Branch Design: Prepping for Your Next Branch Project.

    08/12/2025

    Season 2 - Episode 1: A Strategic Approach to Branch Design: Prepping for Your Next Branch Project.

    As the 2026 Budget Season approaches, financial institutions are looking to put together project plans that set their network apart. Host Doug Ridley interviews The Element Group's Co-Founder William Foley on what goes into planning a successfulproject - from understanding branch needs, who should be involved, contingency planning for hidden fees and unforeseen conditions, to changes in square footage. This episode is a key resource for those looking to hone in on their budgeting strategy this year. S2E1 | "A Strategic Approach to Branch Design: Prepping for Your Next Branch Project." SHOW NOTES: Link to Show Notes: https://www.everybitmatters.com/branch-project-preparation/ ABOUT THE HOST: Doug Ridley: On Instagram, Doug describes himself as “a summer camp evangelist….” and a “napping connoisseur.” His feed is full of bright and beautiful images showing the special moments of life and reflect his focus on the things that make life rich. A graduate of The College of Saint Rose with a BFA in Sculpture, Doug brings an aesthetic and attentive eye to all that he does. Having spent the first part of his career as the YMCA, Doug lives by the values of caring, respect, responsibility, and honesty. A consummate foodie and seacoastexplorer, Doug can often be found exploring good eats, supporting local haunts, participating in outdoor sports clubs, and volunteering at charity events. A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts at Vital Design where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden. Instagram - @dougridley Linked In - @douglasridley "Great things in business are never done by one person; they’re done by a team of people." - Steve Jobs --- ABOUT THE GUEST: William Foley: When he is not golfing, skiing or relaxing with family, William is hard at work ensuring that the Company he co-founded continues to thrive. After studying at Utica College, William began his career in the design build industry. Nearlythirty years of experience has equipped him with extensive upper-level knowledge in finance, sales, design, build, merchandising, and digital. William wants to see The Element Group continue to grow, become “top-of-mind” for clients and prospects, increase in size and national physical presence, andgrow its employee base, sourced from the industry’s best. A man who is consistently “in his element,” William’s favorite quotes are a testament to the way he lives his life and runs the Company.   “I consider myself the luckiest man on the face of the earth.” — Lou Gehrig “The only way to do great work is to love what you do.” — Steve Jobs Linked In @WilliamFoley About the ElementGroup:   does your physical space help attract, delight, andretain customers? We partner with financial institutions like yours todesign, build, and remodel facilities for the digital age, develop brand identities, select markets and sites, and implement messaging and merchandising strategies across your network. The results? Enhanced customer and member loyalty, more efficient operations, and increased profitability. Together with our financial partners we collaborate and strategize how to achieve the personal needs of community banks and credit unions. Our team approach ensures aseamless process allowing you to best serve your employees, customers, members, and local communities. From cutting-edge graphic and digital design to intentional architectural environments, we pride ourselves on delivering full solutions, nationwide. YouTube - Linked In - Website - Instagram

    9 min
  7. 06/24/2025

    Season 1 - Episode 3: "From Particles to Bits and Why it Matters "

    Welcome your new host, Doug Ridley! In this episode we unpack the ethos behind the tagline, 'every bit matters.' The driving force behind our turn-key branch strategy, it is a valuable perspective for any financial institution looking to truly appreciate their network. Here, Nate breaks open the origin of the tagline, and offers some key insights into different 'bits' institutions can implement from the importance of noticing when people are doing things right, stress the little details, and emphasize the power of combined 'bits' to create a memorable experience. SHOW NOTES: Transcript | World Tour T-shirt - Front - Back | Gen. Z Infographic | "element" - defined Doug Ridley: On Instagram, Doug describes himself as “a summer camp evangelist….” and a “napping connoisseur.” His feed is full of bright and beautiful images showing the special moments of life and reflect his focus on the things that make life rich. A graduate of The College of Saint Rose with a BFA in Sculpture, Doug brings an aesthetic and attentive eye to all that he does. Having spent the first part of his career as the YMCA, Doug lives by the values of caring, respect, responsibility, and honesty. A consummate foodie and seacoast explorer, Doug can often be found exploring good eats, supporting local haunts, participating in outdoor sports clubs, and volunteering at charity events. A mind busy with inspirations, Doug comes to The Element Group with a wealth of new ideas, drawing from his experience as Director of Accounts at Vital Design, where he helped build and shape their retainer program. He is most ‘in his element’ when he is skiing, enjoying a long run, or relaxing in his garden. Instagram - @dougridley | Linked In - @douglasridley "Great things in business are never done by one person; they’re done by a team of people." - Steve Jobs Nate Baldasaro: Walk into his office and Nate is often listening to a combination of Skillet, Switchfoot, and Need to Breathe. Accompanied by his many journals, Nate is constantly brainstorming. Even at his favorite vacation spot in Captiva, Florida, he is writing down new ideas, oftentimes with the help of his wife, Lisa, and daughter, Bryn. After Bridgton Academy, Nate graduated from the University of New Hampshire into a career observing and spanning multiple industries. Nate uses his experience in sales and communications to find innovative and creative retail and technologically based solutions for the variety of institutions serviced by The Element Group. Nate is especially proud of the way Element has pulled together through the years to support its employees through thick and thin. Nate’s “element” is focused on forward thinking and engagement with a company’s strengths; evidence of his days as a college athlete seen in the sports analogy found in his favorite quote. "A good player works hard to win the game that everyone else is playing. A great player creates a new game that favors their strengths and avoids their weaknesses" — James Clear Linked In - @natebaldasaro About The Element Group: does your physical space help attract, delight, and retain customers? We partner with financial institutions like yours to design, build, and remodel facilities for the digital age, develop brand identities, select markets and sites, and implement messaging and merchandising strategies across your network. The results? Enhanced customer and member loyalty, more efficient operations, and increased profitability. Together with our financial partners we collaborate and strategize how to achieve the personal needs of community banks and credit unions. Our team approach ensures a seamless process allowing you to best serve your employees, customers, members, and local communities. From cutting-edge graphic and digital design to intentional architectural environments, we pride ourselves on delivering full solutions, nationwide. YouTube - Linked In - Website - Instagram

    29 min
  8. 05/15/2025

    Season 1 - Episode 2: The Portsmouth Experience

    In this episode, Nate and Mac unpack what makes The Element Group's  'Portsmouth Experience' so special. Usually a three-day workshop, this retreat pulls the decision makers of the financialinstitutions out of their comfort zone, and into a collaborative deep dive.Nate and Mac explain how this in-person session works to create relationship,save design time, and increase communication, and creativity - all while beingfun, informative, and innovative.   Transcript: https://docs.google.com/document/d/1xzwVErVvDC4nm3o1jtzGFruAG01Un96E_TuLwF4oguI/edit?usp=sharing About the Hosts: Nate Baldasaro: Walk into his office and Nate is often listening to a combination ofSkillet, Switchfoot, and Need to Breathe. Accompanied by his many journals, Nate is constantly brainstorming. Even at his favorite vacation spot in Captiva, Florida, he is writing down new ideas, oftentimes with the help of his wife, Lisa, and daughter, Bryn. After Bridgton Academy, Nate graduated from the University of New Hampshire into a career observing and spanning multipleindustries. Nate uses his experience in sales and communications to find innovative and creative retail and technologically based solutions for the variety of institutions serviced by The Element Group. Nate is especially proud of the way Element has pulled together through the years to support itsemployees through thick and thin. Nate’s “element” is focused on forward thinking and engagement with a company’s strengths; evidence of his days as a college athlete seen in the sports analogy found in his favorite quote. "A good player works hard to win the game that everyone else is playing. A great player creates a new game that favors their strengths and avoids their weaknesses" — James Clear --- Mac Erickson: While he is busy deciding whether his favorite vacation spot is Maui or the Uinta Mountains, Mac is probably helping his wife Angie, corral their six boys. Having graduated from Weber State University with a degree in Sales and Construction Management, Mac has worked within the branch development space for thirty years, all across the country. Throughout his career, he has helped redefine ways of providing consumer-centric service and kickstart new, innovative branch prototypes. Mac’s work as an account executive pairs well with his mission statement. He is always seeking “to build relationshipsof trust and radiate my passion for helping people.” Mac is “in his element” whenever he is with his family. He loves coaching baseball, playing golf, barbecuing, and playing games with them; really, any chance he gets to simply hang out with them. His favorite quote speaks for his lifestyle.   "Life movespretty fast. If you don’t stop and look around once in a while, you could missit." — Ferris Bueller About the Element Group:   does your physical space help attract, delight, andretain customers? We partner with financial institutions like yours to design, build, and remodel facilities for the digital age, develop brand identities, select markets and sites, and implement messaging and merchandisingstrategies across your network. The results? Enhanced customer and member loyalty, more efficient operations, and increased profitability. Together with our financial partners we collaborate and strategize how to achieve the personalneeds of community banks and credit unions. Our team approach ensures aseamless process allowing you to best serve your employees, customers, members,and local communities. From cutting-edge graphic and digital design to intentional architectural environments, we prideourselves on delivering full solutions, nationwide.   https://www.everybitmatters.com/

    35 min
  9. 04/02/2025

    Season 1 - Episode 1: Surprise and Delight

    Season 1 Episode 1: In this episode we chat about what retail bankers can learn from Delta's 360 Program, an invitation only program that sometimes branches out to those in their medallion tiers through their Surprise and Delight Program: an unexpected ride in a Porsche between particularly tight connecting flights. Nate and Marc unpack how the principles of "surprise and delight" are a powerful tool used by B2C retailers - something that financial institutions can use when constructing branch choreography to be proactive and create memorable experiences for their customers or members.     Show Notes:   Read More: https://www.pointhacks.com.au/skymiles/delta-360/ https://medium.com/@Glennengler/the-power-of-surprise-delight-348e8eafd413   Image: Nate and Bryn on tarmac Transcript - link   About the Host: Nate Baldasaro: Walk into his office and Nate is often listening to a combination of Skillet, Switchfoot, and Need to Breathe. Accompanied by his many journals, Nate is constantly brainstorming. Even at his favorite vacation spot in Captiva, Florida, he is writing down new ideas, oftentimes with the help of his wife, Lisa, and daughter, Bryn. After Bridgton Academy, Nate graduated from the University of New Hampshire into a career observing and spanning multiple industries. Nate uses his experience in sales and communications to find innovative and creative retail and technologically based solutions for the variety of institutions serviced by The Element Group. Nate is especially proud of the way Element has pulled together through the years to support its employees through thick and thin. Nate’s “element” is focused on forward thinking and engagement with a company’s strengths; evidence of his days as a college athlete seen in the sports analogy found in his favorite quote. "A good player works hard to win the game that everyone else is playing. A great player creates a new game that favors their strengths and avoids theirweaknesses" — James Clear --- About the Guest:  Marc Healy: Greeted by the team as “Mr. HEALY!,” with all suitable pomp, Marc is known to be a positive force of nature in the office. After graduating from Western Washington University with a degree in Business and a concentration in Finance, Marc proceeded to leap right into leadership positions. Marc applies his 30 years experience in banking operations and retail management to help our clients deliver the best branch experience. While he loves going to the SouthCaribbean on a cruise ship, Marc loves creating and encouraging teamwork. This is his “element:” being involved with a group of individuals that are focused in on one goal, learn from each other, and have the drive and passion needed for maximum productivity and ultimately, success.   "Tell me and I forget. Teach me and I remember. Involve me and I learn." — Benjamin Franklin  --- About the Element Group:  does your physical space help attract, delight, and retain customers? We partner with financial institutions like yours to design, build, and remodel facilities for the digital age, develop brand identities, select markets and sites, and implement messaging and merchandising strategies across your network. The results? Enhanced customer and member loyalty, more efficient operations, and increased profitability. Together with our financial partners we collaborate and strategize how to achieve the personal needs of community banks and credit unions. Our team approach ensures a seamless process allowing you to best serve your employees, customers, members, and local communities. From cutting-edge graphic and digital design to intentional architectural environments, we pride ourselves on delivering full solutions, nationwide.   https://www.everybitmatters.com/

    36 min

Ratings & Reviews

5
out of 5
3 Ratings

About

'The Bits Matter Podcast' - the leading resource for retail bankers. This podcast brings to light what community banks and credit unions can do to be affective in an industry dominated by big-name national banks that cover much of the country’s financial services. Through discussions on branch staff training, choreography, digital signage, architectural design and space planning, promotional items and brand extension, and more - an idea hub of 'bits' that matter, the podcast pulls insight from industry leaders, for industry leaders, about what it means to operate from the retail mindset.