As retailers globally are undertaking renewed efforts to re-imagine the traditional retail experience, how has the retail-oriented digital shopping spending using credit-cards and debit-cards changed relative to the Pre-COVID-19 levels since March 2020? Question 3 options: e-Commerce spending has returned to pre-pandemic levels before March 2020 e-Commerce spend has increased by about 35% e-Commerce spending is following pre-pandemic predictions for modest single-digit (i.e., less than 10%) growth e-Commerce spend has decreased by about 35%