PUBLISHED DATE: 2025-08-15 11:14:02

Anticipating Growth: How Data-Driven, Customer-Centric Transformation is Helping Banks Boost the Top Line

Eugenia Perelman & Rashed Haq

E-commerce Struggles to Achieve Profitability

Organization decision-makers agree that e-commerce profitability remains a challenge:

Among companies with both e-commerce and brick-and-mortar operations, nearly half (46%) say e-commerce is less profitable than brick-and-mortar. The largest-revenue companies ($5B+) are even more likely to report this gap.

While 9 in 10 claim to know what’s needed to improve e-commerce profitability, half struggle to deliver. Identifying necessary improvements and actually investing in them are two different things—44% say their companies struggle to make these investments.

Significant efforts were made to meet pandemic needs, but not always optimally. The sudden onset of the pandemic forced many to ramp up digital efforts in less-than-ideal ways.

Revenue tells a compelling story: there is a roughly 20 percentage point difference between companies earning less than $750M and those earning $750M+ in terms of finding it difficult to invest in necessary improvements.

Decision-makers agree that they struggle to invest in necessary e-commerce improvements:

Challenges, Opportunities, and Investments

Digital customer experience and omnichannel commerce are seen as having the greatest potential to boost profitability. When asked which investment areas are most critical to increasing profitability, these two areas take the top spots. Supply chain modernization and marketing technology/data monetization form a middle tier (selected by roughly 4 in 10), while customer service, digital store, and strategy are cited by about 3 in 10.

What Retailers Must Invest in to Increase Profits:

Focus on: Digital Customer Experience

A holistic omnichannel digital experience is the clear priority. Whether considering short-term challenges or longer-term opportunities, decision-makers gravitate towards investments in a holistic omnichannel digital experience.

Top Focus Areas for Digital Customer Experience:

  1. A holistic omnichannel digital experience
  2. The mobile app
  3. Social selling, live streaming, and agent-assisted shopping

Focus on: Omnichannel Commerce

Replatforming and expansion through marketplaces are top challenges today, with current investments reflecting this. Looking ahead, expansion is the top growth opportunity, followed by dynamic pricing and promotions.

Top Focus Areas for Omnichannel Commerce:

  1. Replatforming/selecting a new commerce platform
  2. Expanding product selection through marketplaces
  3. Dynamic pricing/promotions
  4. Microservices and headless e-commerce
  5. Shift to cloud

Focus on: Supply Chain Modernization

Shipping optimization and offering multiple shipping options are top challenges today, and these are also the main investment areas. Micro fulfillment centers (MFCs) are the #3 challenge overall and #2 among those in the grocery sector.

Top Focus Areas for Supply Chain Modernization:

  1. Shipping/delivery partner optimization
  2. Multiple shipping options
  3. MFCs and automated fulfillment solutions
  4. Inventory visibility solutions
  5. Sourcing/nearshoring optimization

Focus on: Marketing Technology/Data Monetization

Business intelligence and analytics are a top focus, both as a short-term challenge and a longer-term opportunity. Personalization is also a key area, ranking second as a short-term challenge and investment, and third as a longer-term priority.

Top Focus Areas for Marketing Technology/Data Monetization:

  1. Investing in business intelligence and analytics (algorithmic enterprise)
  2. Personalization (website, email)
  3. Investing in CDP/Data Lakes/Customer 360/Personalization
  4. Investing in Retail Media Platforms/Site Monetization (onsite & offsite advertising)
  5. Investing in content management/DAMs

Focus on: Customer Service

Self-service and chat-based support are the most pressing needs. Decision-makers are particularly interested in self-service online customer support tools.

Top Focus Areas for Customer Service:

  1. Self-service customer support tools online
  2. Chat-based support in messenger apps and social media
  3. Apps for sales associates/clienteling
  4. Video support

Focus on: Digitizing the Store

Modernizing POS systems is the top priority today. New or updated store footprint designs are also a significant focus, ranking as the third-most pressing challenge and the second-greatest opportunity for future growth.

Top Focus Areas for Digitizing the Store:

  1. Modernization of the POS system
  2. Mobile app support ("Just Walk Out" solutions/no checkout line)
  3. New, updated, or larger/smaller store footprint designs
  4. Curb optimization technologies
  5. Robotics in-store for cleaning or inventory

Focus on: Strategy

Balancing digital and physical business models, customer acquisition, and expansion are top areas of focus in both the near and long term. These align with current investment priorities: customer acquisition and expansion are the top two, with optimizing the digital-physical split close behind.

Top Focus Areas for Strategy:

  1. Re-evaluating business model balancing digital vs. physical
  2. Focusing on customer acquisition strategies and growth
  3. Expanding into new markets/products
  4. Focusing on organic growth through digital

Methodology

Publicis Sapient and Salesforce partnered with Ipsos, the third-largest research and insight company in the world, to conduct the Global Retail Decision-Makers survey. This study was designed to understand what retailers are prioritizing regarding e-commerce investments, steps taken to improve e-commerce profitability, and more. Ipsos surveyed approximately 300 retail decision-makers based in seven markets: United States, United Kingdom, Germany, Denmark, Norway, Sweden, and Australia.

About Salesforce

Salesforce is the global leader in CRM, bringing companies and customers together in the digital age. Founded in 1999, Salesforce enables companies of every size and industry to leverage powerful technologies—cloud, mobile, social, voice, and artificial intelligence—to connect with their customers in new ways. Companies trust Salesforce to help them transform their businesses around the customer in this digital-first world. Salesforce Customer 360 is our vision for helping customers with their digital transformations. With Customer 360, every team—sales, service, marketing, commerce, and beyond—can have a single, shared view of their customers on an integrated CRM platform powered by AI. This single source of truth enables employees to work together to build lasting, trusted relationships and deliver the intelligent, personalized experiences their customers expect. Salesforce is committed to core values: trust, customer success, innovation, and equality. Salesforce is a leader on Fortune’s “Change the World” list and has been one of Fortune’s “100 Best Companies to Work For” for 14 years in a row. For more information, visit www.salesforce.com.

About Publicis Sapient

Publicis Sapient is a digital business transformation company. We partner with global organizations to help them create and sustain competitive advantage in an increasingly digital world. We operate through our expert SPEED capabilities: Strategy and Consulting, Product, Experience, Engineering, and Data. Combined with our culture of curiosity and deep industry knowledge, this enables us to deliver meaningful impact to our clients’ businesses by re-imagining the products and experiences their customers truly value. Our agile, data-driven approach equips our clients’ businesses for change, making digital the core of how they think and what they do. Publicis Sapient is the digital business transformation hub of Publicis Groupe, with 20,000 people and over 50 offices worldwide. For more information, visit publicissapient.com.