The future structure of the U.S. banking industry is likely to be characterized by many more smaller banks, as customers demand neighborhood banks operated by people they know personally

Sally purchased eyeliner in the Sephora store in Oak Park Mall after a salesperson demonstrated it. When it was time for her to purchase more eyeliner she went to Sephora's website, ordered it online and had it mailed to her. Later, Sally was again in the Sephora store and wanted to buy eyeliner again, but couldn't remember the exact color she wanted. The salesperson was able to look at Sally's past purchase and identify exactly what Sally had purchased in the past. This is an example of ______ retailing

a. expert b. omnichannel c. digital d. facilitated e. brick

When performing an audit of an organization's systems, the auditor's first step should be to:

A. Develop a strategic audit plan B. Gain an understanding of the focus of the business of the organization C. Perform an initial risk assessment to provide the foundation for a risk-based audit D. Determine and define audit scope and materiality