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            <title>Are Consumers Spending Less? What the Data Actually Shows</title>
            <description><![CDATA[Consumer spending isn't disappearing—it's redirecting. McKinsey and Deloitte data reveal where wallet share is moving and how merchants can align positioning an]]></description>
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            <author>David Daly</author>
            <publisher>Worldline</publisher>
            <datemodified>Mon Apr 20 12:48:24 UTC 2026</datemodified>
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