Up until 2008, the world economy was a confident, arguably brash environment, where the familiar ‘buy now, pay later’ culture had largely evolved into a mentality of ‘buy now, think later’.  Over the past 12 months though, markets have slumped, credit has dried up and purchasing decision-makers have become increasingly risk-averse.  In today’s world, every expense is scrutinised, and pressures for reduced costs and rapid returns on investment are mounting. 

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