CINCINNATI-Credit unions are being urged to pay close attention to the rapid emergence of "omni-commerce," as mobile is changing consumers' shopping habits, says Vantiv.

Omni-commerce, or multi-channel commerce, occurs when consumers use multiple avenues to make a purchase-for example, use their smartphone to pick up a Starbucks coupon before buying a latte in their local store, or research a product online and then call in the order.

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