COGNIZANT TECHNOLOGY & E-COMMERCE ROUNDTABLE THE FUTURE OF RETAIL Seamless technology helping to remove friction from the retail shopping experience INSIDE: 20 Technology for the good 24 E-commerce next practices 28 State of mobile payments 38 Cyber-security A PU B LIC ATION OF RE TAIL COU NCIL OF C ANADA FALL 2016 $ 4. 95 T H E T EC H NOLO GY I S S U E