DALLAS--(BUSINESS WIRE)--According to the National Retail Federation, 2014 Black Friday retail sales were down 11 percent from the previous year. This news combined with changing regulations coming in 2015 regarding chip technology and retailers now having to reimburse customers for credit card fraud will cause many retailers to change the way they handle their business. All retailers must plan for a new level of secure and personalized customer engagement. Teamwork Retail, a Cloud and Mobile r