蘑菇AV

So we're talking specifically about programs like Amazon Prime or Walmart Plus where members get things like free shipping and access to streaming platforms, but it also includes your classic like wholesale club memberships like Costco and Sam's Club.

You're going to have to go out at wholesale funds or rate driven deposits at five plus percent. And so now that you're trading off, having to go "buy" those deposits relative to the operating cost you save. And so what looked like an easy decision in a lower rate environment might actually be a bad decision.

They probably already have a lot of that infrastructure, particularly if they're embedding wholesale payments, if they're doing any transaction banking type embedded capabilities. But the question goes back to what you said earlier, Rob, are they picking a business model to service or are they trying to do a little bit of everything?

So food prices have undoubtedly risen from a wholesale point of view and retailers do want to protect their margins. So I think that's fair to recognize as well. Bill Fisher:. Very measured responses there. Matteo Ceurvels:. And I think it's very interesting too.

Giving some examples, BJ's Wholesale Club partnering with Simbe Robotics to have its tally robot stock shelves and accurately price items. Lowe's is testing autonomous security robots from robotics company Knightscope to patrol parking lots to enhance safety. But Suzy, retailers turning to in-store robots. What's the point? Suzy Davidkhanian:.

US B2B ecommerce growth is outpacing B2B product and electronic sales growth鈥攂ut at a slow rate. Buyers鈥� preference for third-party marketplaces (e.g., Amazon Business) is fueling growth, pushing sellers to consider ecommerce solutions and third-party platforms to reach buyers and meet their procurement expectations.

Plus, Walmart already owns Sam鈥檚 Club, where members pay for access to discounted wholesale goods. Therefore, it鈥檚 not likely to further expand Walmart+ features that compromise its core principles. Walmart鈥檚 media partnerships will fall short. Its current partnerships with Spotify and Paramount+ are not appealing enough to consumers.