The times, as Nobel laureate Bob Dylan sang, they are a changin’ — and quickly. Sending money around the world just got a lot more transparent, thanks to Walmart2World — and likely more competitive too. Musicians — whose ability to monetize is often cited as a casualty of the streaming age — are discovering new ways to get paid, and across the world (particularly in Asia) faster payments are becoming the rule, not the exception. Even the CFPB is changing — for the better, according to some; for the worse, according to others. Good or bad, change remains the only constant in a digital retail ecosystem that’s continuously restarting and resetting.