This document discusses how transaction experience management (TxM) can help businesses move beyond just e-commerce retail transactions online and digitize more complex transactions without custom programming. While e-commerce currently only makes up 3% of household spending in the US, focusing only on simple retail transactions is limiting growth potential as 68% of spending is on non-retail items. TxM provides out-of-the-box features that allow businesses to create digital versions of transactions like loans, insurance policies, and government licenses without the need for expensive custom software development.