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Brick-and-mortar (also called bricks-and-mortar) refers to a traditional business operation that commonly deals with its customers face-to-face in an office or store that the business owns or rents (e.g. a retail store or a bank branch). It is something that has a physical presence in the real world (as opposed to a virtual presence in the online world).
Web-based businesses often have lower costs and greater flexibility than brick-and-mortar operations.