Americans are gearing up for the holiday shopping season, but how can small businesses get in on that spending? John Dick, CEO of Civic Science, joins On The Money to discuss how small businesses are adapting to shifts in brick-and-mortar and e-commerce. He tells us that he doesn't see cash or physical credit cards going away anytime soon, but he does see A.I. taking a more prominent role in the retail space. Plus, he also shares some insight on why men are shopping more than women!