Customer experience management

Blog posts

Kimmo Alkio

President & CEO , Tieto

We are witnessing a multi-faceted, dynamic era of digitalization and countless news on latest technologies such as artificial intelligence, blockchain and robotics keep appearing on daily basis. More

Tuukka Karjalainen

Solution manager, Tieto

Combining in-store and online to serve customers better has been a hot topic for retailers in recent years. Three recent studies examined how retailers have walked the talk in the Nordics. I've wrapped up the results to an overview of the Nordic omnichannel fulfillment. More

Terhi Rautiainen

Lead Data Scientist, Industrial and Consumer Services, Tieto

Do you want to know what factors keep your customers satisfied, or why your customer is dissatisfied? In this blog, I’ll open the core of customer churn analytics, and the benefits it offers to companies. It’s a question of the ability to predict and analyse things that weaken the customer relationship, or vice versa, which factors behind increased satisfaction come up in long-lasting customer relationships. More

The future of real-time payments in the Nordics

November 22, 2017. | Christian Segersven, Tieto Financial Services

Christian Segersven

Executive Vice President, Tieto Financial Services

It is a very exciting time for real-time payments in the Nordics. Services like Swish and Siirto began with person-to-person payments and are now growing extremely fast within e-commerce. And the future will see more customer-oriented services that makes users’ lives easier. More

Marja Leena Pinomaa

Marja Leena Pinomaa, Head of Enterprise Feedback Management, Acting Head of Customer Experience and Insights, Tieto

Does everyone – and everything – need a purpose? What is the purpose of customer experience? What is the value we aim to create – and how is it perceived? These fundamental questions are being discussed more and more, both as part of our personal lives as well as in business. Here are some reflections based on my experiences. More

Hanne Haapoja

Head of Digital Marketing Solutions, Tieto Corporation

Data has become one of the most powerful tools for marketers. In order to get an insight from our customers we carried out a survey looking at how well-developed the Nordic companies are in their CEM activities. We looked at how these companies are currently positioning themselves and studied their future plans in this area. More

Jaakko Vilén

Sales Director, Fintech Customer Experience, Tieto

Sunny Copenhagen right after midsummer – an excellent place to be! It was my first time visiting Money20/20, and I was personally excited to go back to the Financial Services industry after two years of learning about other sectors. The unexpected winner and takeaway from the event: fidget spinners by far! Now let’s go first into the other more serious takeaways… More

Jaakko Vilén

Sales Director, Fintech Customer Experience, Tieto

Reflections from Tieto’s breakfast seminar about video and AI in customer service. More

Atul Ghadge

Business Consultant, Tieto

Shekhar Tankhiwale

Head of Businessa and IT transformation, Tieto

Communications Service Providers (CSPs) are facing numerous challenges these days with commoditization of the networks and the competition from Over the Top (OTT) Content players for the revenue. More

5G: The rollout necessities

May 29, 2017. | Mina Massoud, Tieto

Mina Massoud

Principal Consultant, Tieto

5G is the new generation of mobile networks. Each of the previous generations enabled faster broadband speed and played a role in accelerating mass adoption of mobile internet. The physical world is now connected more than ever. More

Satu Edelman

Senior Consultant, Tieto

Building a winning customer experience is on every customer service developer’s to do list. What kinds of changes should you prepare for and what tools should you use? This year it seems that taking control of the mobile channel is the most important development project. However, voice controlled user interfaces and service robotics are already coming around the corner. More

Michiel Terlouw

Lead Service Designer, Tieto

The theme of Finland’s centenary celebration year is ‘Together’. As part of Tieto’s contribution to the Finland 100 celebrations, our international design community organized a two-days Design Jam with a strong focus on Inclusive Design. More

Ksenia Avetisova

Head of Enhanced Reality Lab & Strategic Innovation Lead, Data-Driven Businesses, Tieto

Antti Kettunen

Digital Hustler, Tieto

The effects of technological advancement and digitisation are felt not only across all industries, but also in private lives of each one of us. Lives of families are changing and becoming easier in some respect, yet more complicated in other. More

Effortlessness is the new black

November 9, 2016. | Satu Edelman, Tieto

Satu Edelman

Senior Consultant, Tieto

It stood out on the second slide of my colleagues sales presentation: “User experience is the key factor when a customer decides which service they use again”. I was taken aback. More

Raghunath Koduvayur

Head of Marketing, Technology Services and Modernisation and Strategic Marketing., Tieto

Of course we don’t expect you to visit Tieto stand just because it’s the best place for tech enthusiasts to meet the experts in the industry. Here we are giving you more reasons than one (precisely Five Big Reasons) for you to visit our Tieto booth, and also hang around with us throughout Slush 2016. After all, it’s held in our home – Finland – and it’s also Europe’s leading startup event. More

Turkka Keskinen

CIO, UPM

Innovations, efficiency and sustainability guide our business. We want to help our customers to succeed with products and solutions that create a sustainable future. That's why fostering innovation and finding new ways of using data are so important to us, and why digitalization is becoming such a key part of what we do. That’s why we want to support Biofore by Digiforce! More

Guest blog: Adopting a digital state of mind

October 17, 2016. | Lauri Paavola, PhD candidate, School of Business, Aalto University

Lauri Paavola

Visiting scholar, Saïd Business School, University of Oxford, PhD candidate, School of Business, Aalto University

Over the last few years, the advent of technology such as big data, cloud computing and machine learning has opened up huge new opportunities for improving how businesses operate, offering new or different ways of working that can completely transform how companies do business. More

The Secret to a Successful Digital Health Service

October 13, 2016. | Elina Reponen, Kenno Ethnographic Consulting

Elina Reponen

Innovation Manager, Kenno Ethnographic Consulting

We asked entrepreneurs how they take care of their well-being. We were expecting them to reply something related to physical wellness but, what came to their mind were means of coping with stress, work-life balance, and essentially mental wellness. Yet, majority of digital health services provided at the moment concentrate on physical wellness. More

Satu Edelman

Senior Consultant, Tieto

I took part in my first video conference about ten years ago. Back then, the atmosphere was almost celebratory as the meeting was dominated by expensive equipment in locked rooms with few people who knew how to use it. The meeting room had to be booked well in advance of the meeting. More

Jaakko Hallavo

Lead Business Consultant, Tieto Corporation

With the B2B e-commerce market being more than twice the size of the consumer market, and with a growth rate surpassing that of the B2C market, businesses selling to other businesses cannot overlook this potential. Jaakko Hallavo explains how to extract maximum benefits from B2B e-commerce in the future. More

Marjo Ylitolva

Solution Manager, Team Lead, Tieto

B2B purchasing is chancing rapidly to more information centric and independent. Today's shoppers are expecting relevant product information regardless of time and place.  More

The Gravitational Slingshot of Innovation

June 17, 2016. | Lauri Pulkka, Aalto University | Ksenia Avetisova, Data-Driven Businesses, Tieto

Lauri Pulkka

Doctoral Candidate in Real Estate Business, Aalto University

Ksenia Avetisova

Head of Enhanced Reality Lab & Strategic Innovation Lead, Data-Driven Businesses, Tieto

Innovation is more than invention: it is the process of applying an idea or invention into practice. The nature of this process is changing. Firms are increasingly specialised and inter-dependent. Innovation is becoming more inter-organisational and non-linear.  More

Guest blog: The Good Life App - Confessions of the Digital Age

June 2, 2016. | Elina Reponen, Kenno Ethnographic Consulting

Elina Reponen

Innovation Manager, Kenno Ethnographic Consulting

How to lead a good life in the digital age, where we have become used to having everything in abundance: information, entertainment, options? More

Fanny Vakkila

Business Consultant, Tieto

Design is an exciting journey where you cannot know the end result from the start. In the beginning you may have a direction, but often this will change based on the findings as you go along. It requires patience, adaptability, empathy towards the user and an open mind. At its best, it brings insights for innovation. More

Jaakko Vilén

Sales Director, Fintech Customer Experience, Tieto

This spring I have been travelling across Sweden: Växjö, Norrköping, Sundsvall, Stockholm and next up Falun hosting multiple breakfast seminars, presenting our view on digitalizing industrial business and learning about our customers’ view on this. Having met several forest and paper industry companies, I have had a good chance to compare Sweden and Finland. More

Claes Sonde

Business Consultant, Tieto

I’m sure you have heard this more times than you can cope with by now. Customer satisfaction among Communication Service Providers (CSPs) is too low and they fail to build a strong and lasting relationship with their customers.  More

A new generation of sports is rising. But in the corporate world, we have a new rising cyber sport of our own: hackathons. More

Mikko Nordlund

Principal Consultant, Tieto

Customers expect advertised products to be available when they need them, but real-time inventory is still a frequent stumbling block for many retailers. Fast delivery times and guaranteed availability is increasingly important to customers - and a way for Nordic retailers to gain competitive advantage in the global eCommerce. More

Erik Nyré

Head of CEM Consulting, Tieto

Driving customers to the store is a good opportunity for retailers to create add-on sales as well as engage with the customer on a deeper level than what online currently offers, and thereby create increased loyalty. More

So you've run a hackathon. What next?

April 25, 2016. | Simon Panelius, Fazer Food Services Oy

Simon Panelius

Vice President, Operational Development, Fazer Food Services Oy

Back in February, Fazer Food Services joined forces with Tieto to run its first-ever hackathon. Now, just two months down the line, we're piloting one of the solutions in our restaurants. Here's a look back at our journey. More

Marketing at the core of customer experience

April 11, 2016. | Hanne Haapoja, Tieto Corporation

Hanne Haapoja

Head of Digital Marketing Solutions, Tieto Corporation

"Marketing should be done in a way that it feels like a good service," says digital marketing expert Hanne Haapoja. Even though the digital marketing revolution has had its challenges, many things have become easier than before. More

Jaakko Vilén

Sales Director, Fintech Customer Experience, Tieto

Jaakko Hallavo

Lead Business Consultant, Tieto Corporation

"One of the few ways for a company to grow profitably is through superior customer experience," says Jaakko Vilén, Sales Director at Tieto. In today's complex environment, this is easier said than done. Help can be found in Customer Experience Management (CEM) that is fast increasing in popularity. More

Building Trust in Omni-channel Retailing – Managing the In-Store Customer Experience

April 6, 2016. | Mikko Hänninen, Aalto University School of Business Department of Marketing

Mikko Hänninen

Project researcher, Aalto University School of Business Department of Marketing

Despite the shift towards developing new online and mobile services, retailers need to continue to develop their in-store customer experience as well in order to provide a seamless experience for customers across offline and online channels. More

Erik Nyré

Head of CEM Consulting, Tieto

James Baker-Duly

Sales Lead, Tieto

Find out our takeaways from the recent customer experience management conference, 20:20 Customer Experience: Financial Services Nordics event in Copenhagen. More

Innovation is all about action! Takeaways from Innoday

March 23, 2016. | Ksenia Avetisova, Data-Driven Businesses, Tieto | Erik Nyré, Tieto

Ksenia Avetisova

Head of Enhanced Reality Lab & Strategic Innovation Lead, Data-Driven Businesses, Tieto

Erik Nyré

Head of CEM Consulting, Tieto

For companies who want to prosper in the new digital business landscape, we at Tieto see several trends that need to be embraced, and several of them were also addressed by the speakers at this event. More

Jaakko Vilén

Sales Director, Fintech Customer Experience, Tieto

Last month, I had the pleasure of attending the 2016 Mobile World Congress (MWC) in Barcelona. As the world's largest trade show for the mobile industry, it's the place to be to find out about the latest trends and developments in the sector. More

Erik Nyré

Head of CEM Consulting, Tieto

Digitalization and digital transformation are likely on the mind of every executive at the moment. Companies are trying to figure out where to place their bets and how to make their investments pay off in the market as well as in their organisations. More

Guest blog: What does omnichannel mean for Finland? Thoughts from the UK

March 8, 2016. | Dr Richard Cuthbertson, FiDiPro Fellow, Aalto University / Research Director, Oxford Institute of Retail Management, Saïd Business School, University of Oxford

Dr Richard Cuthbertson

, FiDiPro Fellow, Aalto University / Research Director, Oxford Institute of Retail Management, Saïd Business School, University of Oxford

We live in a consumer society that is built on revolutions. The agricultural revolution put food on plates across communities; the industrial revolution produced branded products to be distributed across our nations; and the digital revolution is now linking consumers directly to global players through a network of organisations. We have moved from co-ordinating a few basic local foodstuffs to managing a diverse mix of global products and services through a complex web of channels and formats. More

Rajesh Mukundan

Principal Consultant, Tieto

In an age of omnichannel retail, effective order management is critical to customer satisfaction. Here's how a dedicated OMS can help. More

Lasse Eriksson

Vice President, Digitalisation, Cargotec

Kalmar, part of Cargotec, is on a drive to become a world leader in intelligent cargo handling. We believe our first-ever hackathon, taking place in Tampere in April, will help accelerate this. More

Miriam Agnese

Lead CX Advisor, Tieto

In an American survey about digital disruption in banks from 2014, 72% of respondents in the age-group 18-34 say that they will use financial services from companies that are not banks (like Apple, Square, Facebook, Google, Amazon etc). In the 2015 version of the same study 79% of the respondents also say that the relationship they have with their bank is purely transactional (not relational).  More

As the share of ecommerce in retail sales grows, many major retail brands have been forced to either close or reconsider the role of their brick-and-mortar stores. At the same time, the IoT and IoE are changing the way we interact with the world, and new innovations are being pushed to market at an ever-increasing speed. Retailers are constantly seeing new opportunities to connect with their customers differently. More

Simon Panelius

Vice President, Operational Development, Fazer Food Services Oy

Fazer Food Services' first-ever hackathon was a huge success. Here's the reflections on the two-day event and how it helped us think outside the box. More

Fredrik Bergström

Principal Consultant, Omnichannel Commerce, Tieto

My recent trip to New York left me in no doubt that retailers have a long and difficult road ahead, but I was also inspired by the level of innovation on display at Manhattan's top stores. More

Hannu Rahnasto

Vice President, Commercial, Fazer Food Services

Fazer Food Services will be joining forces with Tieto to hold a two-day hackathon on the campus of Aalto University. Here's why. More

Digitalization isn't just about technology - it's as much about how we're living and behaving as species. In order to surf the pace of change we have set for our world, we need to understand human dynamics from a very fundamental point of view. More

Miriam Agnese

Lead CX Advisor, Tieto

At a retail conference some time ago I spoke about how good customer experience starts with a good customer insight. The speaker before us gave a brilliant speech about the paradigm shift in the society that we are experiencing right at this moment. More

Fredrik Bergström

Principal Consultant, Omnichannel Commerce, Tieto

Retail's BIG Show, the NRF's annual convention and expo, is just around the corner. What will attendees be talking about this year? More

Stefan Sabel

Business Developer, Tieto

Today's biggest retailers serve many millions of customers across a wide array of channels. How can they possibly know the wants and needs of each one? More

It was hard not to be dazzled by the energy and creativity on display at Slush this year. Of course, digital innovation never sleeps; can't we have the same fireworks all year round? More

Sampo Lehtiniemi

Director, Tieto

Tieto is currently taking part in a three-year joint study on the effects of technological disruption in the retail industry. Here's what we hope it'll teach us. More

Digging for treasure at the Ultrahack event

November 17, 2015. | Ksenia Avetisova, Data-Driven Businesses, Tieto

Ksenia Avetisova

Head of Enhanced Reality Lab & Strategic Innovation Lead, Data-Driven Businesses, Tieto

They say innovation is all about stepping out of your comfort zone. Sometimes we could all use a good kick to make that first step. More

Fanny Vakkila

Business Consultant, Tieto

Lotta Ahonen

Interaction Designer, Tieto

Technology is all around us. It's a mistake to think that we need to be IT professionals, let alone study computer science or engineering, in order to work in tech. In reality, it's an exciting playground for creative thought that enables us to solve even the most mundane problems in our everyday lives.  More

In a hackathon, developers and designers from different backgrounds get together to rapidly prototype their most innovative ideas. What if organisations were to do the same on a daily basis? More

As someone coming from professional football to business, I constantly see similarities between these two highly competitive landscapes. Unfortunately, these worlds too rarely take a peak over the fence to see what one another is doing.  More

Fredrik Bergström

Principal Consultant, Omnichannel Commerce, Tieto

It's not uncommon to have mixed feelings about Christmas shopping in stores. With stronger omnichannel capabilities, retailers could deliver a much better customer experience. More

Sami Uski

Advisor, Customer Experience in Financial Services, Tieto

The key to co-creating new mobile services with users is helping users and providers to learn from each other: developers must understand customer needs, whilst users need to discover new ways of utilising services. Sami Uski explains the key insights from our experience in a collaborative research project with Nordea, Nokia, Aalto University and VTT. More

Ilkka Lappalainen

Senior Industry Consultant, Tieto

The idea of the digital customer journey is part of a completely new, omnichannel paradigm for retailers. It's forced them to be honest with themselves, examining what customers really want from the shopping process and whether their old strategies are still primed for success. More

Customer experience comes alive in interactions between people. Despite all your processes and tools, it is the behavior in these interactions that counts the most. More

Customer is the new black - Co-create the results!

August 31, 2015. | Ksenia Avetisova, Data-Driven Businesses, Tieto

Ksenia Avetisova

Head of Enhanced Reality Lab & Strategic Innovation Lead, Data-Driven Businesses, Tieto

It used to be so sophisticated for organisations to set up an innovation department, or a lab, and bang heads on the white walls waiting for great ideas to come around and implement themselves into great products or services. This approach is long gone. Luckily, by now it became evident that innovation is not something that just happens, or can be grown behind closed doors and then just released into the wild. More

Antti Seppälä

Solution Head, Digital Branch in Financial Services, Tieto

Our field study shows that small business owners have four key needs for new financial services: scalability to changing needs, easiness to use and the ability to predict and visualise business trends from banking data. What if the solution was a financial ‘webstore’ - a service provided by banks that connects fragmented financial applications into one? More

Miriam Agnese

Lead CX Advisor, Tieto

The hard truth is that companies now need the customers more than they need them. The first thing you need to do is to understand your customer’s needs and expectations. The next step is to learn how you are delivering on those expectations today.  More

Carl Lidholm

Head of Strategy and New Business, Energy Utilities, Tieto

In the near future, data information will flow efficiently among actors in the Nordic energy market via data hubs within the Nordic countries. The new hubs link all market actors—distributors, retailers and consumers—and provide integrated access to all metering data. For consumers, this transformation will result in a greater customer experience. More

Sami Uski

Advisor, Customer Experience in Financial Services, Tieto

What if mobile banking apps alerted you to new opportunities and potential financial problems in real-time, and reacting to these matters was just one swipe away? Our collaborative study shows that today's digital users are ready to receive real-time push notifications that help them manage their finances. Providing personalised digital services proactively is the future of personal banking. More

Samuli Ollikainen

Creative Director, Founding partner, Adventure Club

The way we use banking services has gone digital. Still, the services often feel cold and distant. Is it possible to give them the human touch? More

Hani Movahed

Head of CEM Advisory, Tieto

For years, research has shown how confused and frustrated we become when faced with too much choices. So, why aren't retailers working to simplify the shopping process? More

Real-time price changes have been used in ecommerce since day one. Now, with today's technology, brick-and-mortar retailers have the same opportunity to optimise their pricing strategies and maximise sales and profit. More

Jari Kekkonen

CTO, Customer Experience Management, Tieto

Today's consumers are a more demanding - and diverse - group of people than ever before. Here's how retailers can embrace the future of shopping. More

Leo Wuoristo

Offering manager, Tieto

In my last blog post I discussed how banks are sitting on a goldmine of exclusive customer data but are struggling to put that data to use. One of the key reasons is regulation. In this post I will focus on how banks can overcome regulatory challenges and how customers can benefit from sharing their personal data. More

Leo Wuoristo

Offering manager, Tieto

Today's banks are sitting on a goldmine of exclusive customer data, but there are challenges to overcome before this can be put to use. More

Antti Matikainen

Sales Director, Tieto

Mobility has fundamentally changed how customer experiences are created in retail. Mobility brings together digital shopping, physical environments and consumers. This association opens up new opportunities in areas such as personalization, retailer-consumer dialogue, consumer understanding and effective operations. More

Tuukka Karjalainen

Solution manager, Tieto

Finding product information online is now a key part of the customer journey in retail. What's more, using this data to support in-store sales is simple. So why is nobody doing it? More

Sampo Lehtiniemi

Director, Tieto

In the past, the retail sector itself has dominated the me-tailing debate. But in order to succeed in the digital age, other consumer goods brands need to become me-tailers, too. More

Sari Aumo

Head of Microsoft Cloud Services, Tieto

Ville Tawaststjerna

Solution Manager Collaboration and Productivity Solutions, Tieto

The necessity of a digital transformation inside organisations and the prospective benefits are generally well known. Digitalisation increases productivity, flexibility and agility and of course, saves money. The focus should now put on what is preventing or slowing down change. We can look at this through the perspective of modernising collaboration and productivity tools. More

Gun-Marie Rinaldo

Customer Executive, Tieto

Today it has been 27 so far, and yesterday it was 31. It has been like this for a long time now. You must be thinking, what has been like this? Let me start by pointing out something I am sure some of you recognize but very few actually appreciate. I am referring to the sheer volume of daily offers in your inbox. My mail system excludes some of these emails as spam, but the rest go directly into my private mail.....and I'm not very happy about it! More

Search for trust between physical and digital worlds

May 8, 2015. | Ksenia Avetisova, Data-Driven Businesses, Tieto

Ksenia Avetisova

Head of Enhanced Reality Lab & Strategic Innovation Lead, Data-Driven Businesses, Tieto

There is a potential for immense value for both businesses and users if they engage in relationship built on trust. But as the pace of our digitalised world continues to relentlessly accelerate, we've developed a need to navigate the constant flow of information, possibilities and connections that come our way. More

Jari Kekkonen

CTO, Customer Experience Management, Tieto

Excellent customer experience is absolutely vital in today's highly competitive market. Life used to be so much simpler for retailers. In the old days, you placed a print, radio or television ad to attract shoppers to your store. Now we are living an era where shopping is more than just buying—it is a form of entertainment. More

We knew what type of pram we wanted for our first child. However, the salesperson had the right attitude and sold us the pram that we needed. More

Janne Partanen

Communications and Customer Relations Manager, Stora Enso

Here at Stora Enso Wood Supply, we want to ensure the very best service in every encounter with our customer. Digital channels are one part of the overall customer experience, and it is clear that in the future, more and more private forest owners want to do business using digital and mobile devices. We are listening carefully to our clients, and our feedback system helps us to anticipate what our customers need, so that we are able to react to digital changes in time. More

Matti Ketonen

Vice President, Supply Chain Planning, Metsä Board

Younger generation may be the leaders in adopting new ways of working or new tools for – not just CEM – but for anything. But the truth is that ease of use is the key. In my experience easy tools such as WhatsApp, Yammer and Instagram are equally eagerly embraced by all generations as long as the purpose of the “gadget” is clear and the use is straightforward without “unnecessary” complications. More

Jaakko Vilén

Sales Director, Fintech Customer Experience, Tieto

Customer Experience Management (CEM) is not widely recognized as a key business driver or enabler in forest and paper products industry, but there are clear signals that early adopters are far on their way exploring the opportunities of digitalization. More

The world will not end this year. I have been closely monitoring the digitalisation of companies and society for years from the perspective of customer experience management. I have been fortunate enough to be involved in helping companies to change and find new business models. I would like to highlight three things on the basis of my experience that I think will become much more important this year from the point of view of customer experience management. More

Transparency has been a hot topic for a while. Discussion on radical transparency was recently raised by the Harvard Business Review in its December issue. We easily tip-toe around transparency, especially in the context of corporate innovation and product development. This is because radical transparency may even feel threatening. More

Ideas can be generated in workshops. However, true innovations often form organically in everyday situations when different people and viewpoints meet. When was the last time you experienced a "Eureka” moment? More

Can you serve customers who browse your webshop on their mobile device? It’s surprising how few Finnish stores are able to say they can. If your site does not support mobile users, chances are that you are missing out on sales. If customers are unable to browse your product selection, they will do a lot less impulsive shopping. More

Slush is a great event for Eurasian startups and tech talent to meet with international investors, executives, and media representatives. The event has helped build a great ecosystem. In Finland, it has changed the entrepreneurial atmosphere and I think it has also had an impact on the Nordics and Baltics. It is a great place to get new ideas and inspiration, build and start new businesses, create innovations, and build a new, tighter ecosystem. More

Valtter Rajakannas

Lead Architect, Tieto

There is a lot of work left to be done to ensure that the services, processes, and applications you have blend in smoothly with your customer’s journey. It is all about customer experience management (CEM). More

Customer experience is still seen more as an IT expense than as a new business driver in the Nordics. The situation is alarming, and we have to wake up now. More

Your refrigerator wishes you a good morning. This time, it has automatically ordered your breakfast based on the lowest grocery prices. It made this decision after evaluating your bank account balance. Yesterday’s golf trip ended up being more expensive than you planned... More

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