There are an estimated 12 million small retailers such as Prabhu Stores, meeting customer needs in every nook and cranny of the country. They are now the focus of two transformational forces — one that seeks to modernise such stores, using technology to bestow the efficiencies and tactics of modern retail, and another that seeks to make them the pulsating nerve centres of a coming ecommerce and digital payments revolution focussed on smaller cities and beyond, by hooking them up to virtual hubs ..

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