Executive summary
Retail execution fragments when stores, ecommerce, returns, promotions, and fraud interventions operate across disconnected tools and inconsistent authority models.
Channel fragmentation
Point of sale, commerce, customer service, returns, and loyalty systems often influence the same customer outcome without sharing one decision model.
Policy drift
When enterprise policy is defined centrally but applied locally through separate workflows, drift becomes inevitable.
Authority-layer response
Retail Governance Infrastructure inserts an authority layer before execution so approvals, fraud actions, and exceptions resolve deterministically.
Sources
Harvard Business Review · McKinsey & Company · MIT Sloan Management Review