Many stores today have changed how customers shop. You can go online to buy your groceries, have a store clerk pick them out for you and then either drive up and pick them up or have them delivered. Besides groceries, you can do this with electronics, clothing, shoes, and even pharmaceuticals. How would you describe this change in business practices?

Explanation:

Business practices are said to be ways in which business conduct their activities to reach their goals. Business practice, before the invention of eCommerce, has been buying ans selling in which the seller and the buyer needed to have face contact. This means, if a buyer does not visit the seller, he/she wont get what he wants.

The invention of online shopping brought a lot of change to the way businesses are been conducted in the 21st Century. The eCommerce invention, brought about a new type of business where a buyer does not need to meet the seller face to face before getting what he wants. This trend brought about growth in the business world: where small business can now reach a large number of customers and also supply goods to customers anywhere in the world.

Although, a lot of issues first served as hindrance to the online shopping or eCommerce: issues like fraud, customer privacy, customer protection etc. Most of these issues were dealt with and a lot is been done to address the remaining issues.

Online shopping gave customer a lot of option: in which, they were able to choose from multiple options, knowing that they will get what they want at their door step. More so, the cost of theses products, sometimes are cheaper due to the large market being presented by the internet. In addition, the customers sometimes don't even have to pay for the cost of  transport.

Further more, this platform also made businesses to think differently by investing in technology, finding more ways to please the customers(customers are now treated as assets) and doing everything possible to maximize profit.

In conclusion, online shopping has changed the business world in a positive way, it created a large market for customers and producers, it created a large audience for a product and it created a platform for small businesses to also reach more customers.

answer; /// i believe that the correct answer is ( contemporary crm)

month 1 start amount =$3287.90 interest=(3287.90x0.0145/12)3.97 total to pay=$3291.81 paid =$1200 balance =$2,091.87

month 2 starting amount= $2,091.87 interest =$25.28 total to pay =$2117.15 paid =$1200 balance $917.15

month 3 starting amount =$917.15 interest =$11.08 total to pay =$928.23 paid =$928.23 balance =$0 total to pay 1200+1200+928.23 = $3328.23 it will take 3 months to pay a total of $3328.23