In this edition of the Quarterly Trends Analysis we open with an overview of the quarter in retail, tracking the developments in the opening months of the year after a better-than-expected end to 2016, through analysis of our various KPIs for the retail sector. We then go on to examine the recent borrowing habits of UK consumers, assessing how current borrowing compares to that before the financial crisis in 2008. That’s in addition to our guest authors contributions which explore the digitalisation of luxury fashion, footfall and the shift towards convenience shopping by UK shoppers.