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Walmart Ditches Affirm for Klarna – Here's Why It’s a Big Deal · Omni Talk Retail

• 0:00
  Klarna
• 0:00
  will
• 0:00
  be
• 0:00
  the
• 0:01
  exclusive
• 0:02
  provider
• 0:03
  of
• 0:03
  buy
• 0:03
  now,
• 0:04
  pay
• 0:04
  later
• 0:04
  loans
• 0:04
  for
• 0:05
  Walmart,
• 0:05
  taking
• 0:05
  a
• 0:06
  coveted
• 0:06
  partnership
• 0:07
  away
• 0:07
  from
• 0:08
  its
• 0:08
  rival
• 0:08
  Affirm.
• 0:10
  According
• 0:10
  to
• 0:10
  cnbc,
• 0:11
  Klarna
• 0:11
  will
• 0:12
  provide
• 0:12
  loans
• 0:12
  to
• 0:12
  Walmart
• 0:13
  customers
• 0:13
  in
• 0:13
  stores
• 0:14
  and
• 0:14
  online
• 0:15
  through
• 0:15
  the
• 0:15
  retailer's
• 0:16
  majority
• 0:16
  owned
• 0:16
  fintech
• 0:17
  startup,
• 0:18
  OnePay.
• 0:18
  OnePay,
• 0:19
  which
• 0:20
  updated
• 0:20
  its
• 0:20
  brand
• 0:20
  name
• 0:21
  from
• 0:21
  One
• 0:22
  just
• 0:22
  this
• 0:22
  month,
• 0:23
  will
• 0:23
  handle
• 0:23
  the
• 0:23
  user
• 0:24
  experience
• 0:24
  via
• 0:24
  its
• 0:25
  app,
• 0:25
  while
• 0:25
  Klarna
• 0:26
  will
• 0:26
  make
• 0:26
  underwriting
• 0:27
  decisions
• 0:27
  for
• 0:27
  loans
• 0:28
  ranging
• 0:28
  from
• 0:28
  three
• 0:28
  months
• 0:29
  to
• 0:29
  36
• 0:29
  months
• 0:30
  in
• 0:30
  length
• 0:30
  and
• 0:31
  with
• 0:31
  annual
• 0:31
  interest
• 0:31
  rates
• 0:32
  from
• 0:32
  10%
• 0:32
  to
• 0:33
  36%.
• 0:34
  The
• 0:34
  new
• 0:34
  product
• 0:34
  will
• 0:35
  be
• 0:35
  launched
• 0:35
  in
• 0:35
  the
• 0:35
  coming
• 0:35
  weeks
• 0:36
  and
• 0:36
  will
• 0:36
  be
• 0:36
  scaled
• 0:37
  to
• 0:37
  all
• 0:37
  Walmart
• 0:38
  channels
• 0:38
  by
• 0:39
  the
• 0:39
  end
• 0:39
  of
• 0:39
  the
• 0:39
  holiday
• 0:40
  season
• 0:40
  or
• 0:40
  by
• 0:40
  the
• 0:41
  holiday
• 0:41
  season,
• 0:41
  not
• 0:41
  the
• 0:41
  end
• 0:42
  of,
• 0:42
  but
• 0:42
  by
• 0:42
  the
• 0:42
  holiday
• 0:43
  season
• 0:43
  likely
• 0:44
  leaving,
• 0:44
  leaving
• 0:45
  it
• 0:46
  the
• 0:46
  retailers
• 0:47
  only
• 0:47
  buy
• 0:47
  now,
• 0:48
  pay
• 0:48
  later
• 0:48
  option
• 0:49
  by
• 0:49
  year
• 0:49
  end.
• 0:50
  And
• 0:51
  I'm
• 0:51
  curious,
• 0:51
  are
• 0:51
  you
• 0:52
  surprised
• 0:52
  at
• 0:52
  all
• 0:52
  with
• 0:53
  Walmart's
• 0:53
  decision
• 0:54
  to
• 0:54
  tie
• 0:54
  itself
• 0:54
  to
• 0:55
  one
• 0:55
  exclusive
• 0:56
  buy
• 0:56
  now,
• 0:56
  pay
• 0:56
  later
• 0:57
  provider
• 0:57
  like
• 0:57
  Klarna?
• 0:59
  You
• 1:00
  know,
• 1:00
  I
• 1:00
  was
• 1:00
  more
• 1:01
  surprised
• 1:01
  I
• 1:01
  guess
• 1:02
  that
• 1:02
  they
• 1:02
  made
• 1:03
  the
• 1:03
  move
• 1:04
  away
• 1:04
  from
• 1:04
  a
• 1:04
  buy
• 1:05
  now,
• 1:05
  pay
• 1:05
  later
• 1:05
  provider
• 1:06
  that
• 1:06
  they
• 1:07
  had
• 1:08
  a
• 1:08
  pretty
• 1:08
  established
• 1:09
  relationship
• 1:09
  with.
• 1:10
  Like,
• 1:10
  I
• 1:10
  can't
• 1:11
  imagine
• 1:11
  that
• 1:11
  that
• 1:12
  was
• 1:12
  a
• 1:12
  very
• 1:12
  easy
• 1:13
  move.
• 1:13
  So
• 1:14
  I
• 1:14
  think
• 1:14
  there
• 1:15
  must
• 1:15
  be
• 1:15
  some
• 1:15
  good
• 1:16
  things
• 1:16
  that
• 1:16
  Klarna
• 1:17
  is
• 1:17
  bringing
• 1:17
  to
• 1:17
  the
• 1:18
  table
• 1:18
  here
• 1:18
  that
• 1:19
  get,
• 1:19
  that
• 1:20
  have
• 1:20
  made
• 1:20
  Walmart,
• 1:21
  who
• 1:21
  I
• 1:21
  think
• 1:21
  is
• 1:22
  a
• 1:22
  very
• 1:22
  smart
• 1:23
  retailer,
• 1:24
  um,
• 1:24
  and
• 1:24
  is
• 1:25
  making
• 1:25
  some
• 1:25
  smart
• 1:26
  moves
• 1:26
  with
• 1:26
  this,
• 1:27
  their,
• 1:27
  their
• 1:28
  one
• 1:28
  arm
• 1:28
  of
• 1:29
  the
• 1:29
  business
• 1:30
  that
• 1:30
  we're
• 1:31
  maybe,
• 1:31
  and
• 1:31
  maybe
• 1:31
  we're
• 1:32
  not
• 1:32
  reading
• 1:32
  about
• 1:32
  all
• 1:32
  of
• 1:33
  those
• 1:33
  in
• 1:33
  the
• 1:33
  article.
• 1:34
  I
• 1:34
  think
• 1:35
  it
• 1:35
  comes
• 1:35
  down
• 1:36
  to
• 1:36
  the
• 1:36
  best
• 1:36
  thing
• 1:37
  here
• 1:37
  for
• 1:37
  Walmart
• 1:38
  customers
• 1:38
  is
• 1:38
  that
• 1:39
  nothing
• 1:39
  changes
• 1:39
  for
• 1:40
  them
• 1:40
  like
• 1:40
  they
• 1:41
  are
• 1:41
  still,
• 1:41
  we
• 1:42
  can
• 1:42
  still
• 1:42
  use
• 1:42
  one
• 1:43
  without
• 1:44
  having
• 1:44
  to
• 1:44
  sign
• 1:44
  up
• 1:45
  for
• 1:45
  anything
• 1:45
  additional.
• 1:46
  Like
• 1:46
  I
• 1:47
  stay
• 1:47
  in
• 1:47
  the
• 1:47
  Walmart
• 1:48
  app
• 1:48
  and
• 1:48
  I
• 1:48
  have
• 1:48
  to
• 1:48
  imagine
• 1:49
  that
• 1:49
  that
• 1:49
  was
• 1:49
  part
• 1:50
  of
• 1:50
  the
• 1:50
  terms
• 1:50
  of
• 1:50
  this
• 1:51
  agreement
• 1:51
  where
• 1:52
  like,
• 1:52
  you
• 1:52
  know,
• 1:52
  Klarna
• 1:53
  is
• 1:53
  just
• 1:53
  doing
• 1:53
  the
• 1:53
  underwriting
• 1:54
  here.
• 1:54
  They're
• 1:55
  not
• 1:55
  changing.
• 1:55
  Like
• 1:55
  I
• 1:56
  don't
• 1:56
  have
• 1:56
  to
• 1:56
  sign
• 1:56
  up
• 1:56
  for
• 1:56
  a
• 1:57
  Klarna
• 1:57
  account
• 1:58
  and
• 1:58
  leave
• 1:58
  the
• 1:58
  Walmart
• 1:59
  app
• 1:59
  and
• 1:59
  like
• 2:00
  it's
• 2:00
  just,
• 2:00
  it's
• 2:01
  frictionless
• 2:01
  for
• 2:02
  the
• 2:02
  consumer.
• 2:02
  It's
• 2:03
  just
• 2:03
  taking
• 2:03
  away
• 2:03
  maybe
• 2:04
  something
• 2:04
  that
• 2:04
  Klarna
• 2:05
  is
• 2:05
  just
• 2:05
  better
• 2:05
  at
• 2:06
  than
• 2:06
  Walmart
• 2:06
  is.
• 2:07
  And
• 2:08
  I
• 2:08
  think
• 2:08
  the
• 2:09
  other
• 2:09
  thing
• 2:09
  here
• 2:10
  is
• 2:10
  that
• 2:10
  this
• 2:10
  is
• 2:11
  also
• 2:11
  a
• 2:11
  big
• 2:11
  deal
• 2:11
  for
• 2:11
  Klarna.
• 2:12
  Like
• 2:12
  they're
• 2:12
  a
• 2:13
  more
• 2:13
  global
• 2:13
  company
• 2:14
  but
• 2:14
  now
• 2:15
  signing
• 2:15
  on
• 2:15
  Walmart
• 2:16
  now
• 2:16
  they
• 2:16
  have
• 2:16
  visibility
• 2:17
  into
• 2:18
  the
• 2:18
  large,
• 2:18
  you
• 2:19
  know,
• 2:19
  the
• 2:19
  largest
• 2:19
  US
• 2:20
  market
• 2:20
  with
• 2:21
  Walmart
• 2:21
  and
• 2:22
  now
• 2:22
  comprehensively,
• 2:23
  like
• 2:23
  they
• 2:24
  have
• 2:24
  that
• 2:24
  selling
• 2:25
  point
• 2:25
  for
• 2:25
  any
• 2:25
  other
• 2:26
  retailer
• 2:26
  that
• 2:26
  they
• 2:26
  go
• 2:26
  off
• 2:27
  of
• 2:27
  that
• 2:27
  they
• 2:27
  have
• 2:27
  the
• 2:27
  most
• 2:28
  global
• 2:28
  data,
• 2:28
  which
• 2:29
  gives
• 2:29
  them,
• 2:29
  you
• 2:30
  know,
• 2:30
  much
• 2:30
  more
• 2:30
  opportunity.
• 2:31
  And
• 2:32
  I
• 2:32
  wonder
• 2:33
  if
• 2:33
  it
• 2:33
  doesn't
• 2:34
  help
• 2:35
  to
• 2:35
  make
• 2:36
  it
• 2:36
  more
• 2:36
  easier
• 2:36
  to
• 2:36
  spot
• 2:37
  bad
• 2:37
  actors
• 2:38
  too.
• 2:38
  So
• 2:38
  like,
• 2:39
  if
• 2:39
  I
• 2:39
  know,
• 2:39
  you
• 2:40
  know,
• 2:40
  somebody's
• 2:40
  using
• 2:41
  Klarna
• 2:41
  in,
• 2:42
  at
• 2:42
  a
• 2:42
  retailer,
• 2:43
  you
• 2:43
  know,
• 2:43
  in
• 2:43
  Europe
• 2:44
  and
• 2:44
  somebody's
• 2:44
  using
• 2:44
  Klarna
• 2:45
  in
• 2:46
  Walmart,
• 2:46
  like,
• 2:46
  will
• 2:47
  they
• 2:47
  have
• 2:47
  better
• 2:47
  visibility
• 2:48
  to
• 2:48
  that
• 2:49
  dashboard
• 2:49
  of,
• 2:49
  of
• 2:50
  maybe
• 2:50
  people
• 2:51
  that
• 2:51
  are
• 2:51
  not
• 2:52
  using
• 2:52
  this
• 2:52
  service
• 2:53
  effectively
• 2:53
  or
• 2:54
  who
• 2:54
  are
• 2:54
  not
• 2:54
  paying
• 2:55
  back
• 2:55
  their
• 2:55
  loans?
• 2:55
  Like,
• 2:56
  does
• 2:56
  that
• 2:56
  give
• 2:56
  them
• 2:56
  greater
• 2:57
  visibility
• 2:57
  too?
• 2:57
  I
• 2:58
  don't
• 2:58
  know
• 2:58
  that
• 2:58
  for
• 2:58
  sure,
• 2:59
  but
• 2:59
  it
• 2:59
  would
• 3:00
  be
• 3:00
  something
• 3:00
  that
• 3:00
  I'd
• 3:01
  be
• 3:01
  curious
• 3:01
  about.
• 3:01
  But
• 3:02
  were
• 3:02
  you
• 3:02
  surprised?
• 3:03
  Like,
• 3:03
  where,
• 3:03
  where
• 3:04
  do
• 3:04
  you
• 3:04
  think
• 3:04
  about
• 3:04
  this?
• 3:05
  Yeah,
• 3:06
  when
• 3:06
  I
• 3:06
  first
• 3:06
  read
• 3:06
  the
• 3:06
  headline,
• 3:07
  I
• 3:07
  actually
• 3:07
  was
• 3:07
  a
• 3:07
  little
• 3:07
  surprised
• 3:08
  because
• 3:08
  I
• 3:08
  do
• 3:08
  see
• 3:09
  a
• 3:09
  world,
• 3:09
  or
• 3:09
  at
• 3:09
  least
• 3:10
  I
• 3:10
  thought
• 3:10
  I
• 3:10
  saw
• 3:10
  a
• 3:10
  world
• 3:11
  where
• 3:11
  Klarna
• 3:12
  firm,
• 3:13
  Sezzle
• 3:13
  Navy,
• 3:13
  BNPL
• 3:14
  provider
• 3:15
  are
• 3:15
  like
• 3:15
  Visa,
• 3:16
  MasterCard,
• 3:16
  Discover
• 3:17
  or
• 3:17
  American
• 3:17
  Express.
• 3:18
  They're
• 3:18
  just
• 3:18
  an
• 3:18
  option
• 3:19
  that
• 3:19
  you
• 3:19
  can
• 3:19
  use
• 3:19
  to
• 3:19
  pay
• 3:20
  wherever
• 3:20
  you
• 3:20
  want
• 3:20
  at
• 3:21
  all
• 3:21
  me
• 3:21
  in
• 3:21
  the
• 3:21
  long
• 3:22
  run.
• 3:22
  But,
• 3:22
  but
• 3:23
  then
• 3:23
  I
• 3:23
  dug
• 3:23
  in
• 3:24
  and
• 3:24
  I
• 3:24
  think
• 3:24
  it's
• 3:24
  a
• 3:24
  really
• 3:25
  smart
• 3:25
  move
• 3:26
  from
• 3:26
  Walmart
• 3:26
  because
• 3:27
  it's
• 3:27
  basically,
• 3:27
  it's,
• 3:28
  it's
• 3:28
  a
• 3:28
  land
• 3:28
  grab.
• 3:29
  It's
• 3:29
  a,
• 3:29
  it's
• 3:29
  a
• 3:30
  positioning
• 3:30
  of,
• 3:30
  of
• 3:31
  one
• 3:31
  pay
• 3:31
  to
• 3:31
  be,
• 3:32
  you
• 3:32
  know,
• 3:32
  the
• 3:33
  thing
• 3:33
  that
• 3:33
  Walmart
• 3:34
  customers
• 3:34
  use,
• 3:35
  you
• 3:36
  know,
• 3:36
  and
• 3:36
  one
• 3:36
  pay
• 3:36
  for
• 3:37
  those
• 3:37
  unfamiliar,
• 3:37
  according
• 3:38
  to
• 3:38
  CNBC
• 3:38
  and
• 3:39
  the
• 3:39
  statistics
• 3:39
  they
• 3:39
  put
• 3:39
  in
• 3:39
  the
• 3:40
  article.
• 3:41
  You
• 3:41
  know,
• 3:41
  it's
• 3:41
  a
• 3:42
  standalone
• 3:42
  business
• 3:42
  venture
• 3:43
  of
• 3:43
  Walmart
• 3:44
  and
• 3:44
  it
• 3:45
  has
• 3:45
  a,
• 3:45
  currently
• 3:45
  has
• 3:45
  a
• 3:45
  valuation
• 3:46
  of
• 3:46
  over
• 3:47
  $2
• 3:47
  billion.
• 3:47
  And
• 3:48
  here's
• 3:48
  the
• 3:48
  other
• 3:48
  part
• 3:48
  I
• 3:48
  didn't
• 3:48
  know,
• 3:48
  Ann.
• 3:49
  Its
• 3:49
  revenue
• 3:50
  already
• 3:50
  is
• 3:51
  at
• 3:51
  $200
• 3:52
  million
• 3:53
  a
• 3:53
  year.
• 3:54
  That's
• 3:54
  nuts.
• 3:54
  So
• 3:55
  this
• 3:55
  deal
• 3:55
  to
• 3:55
  me
• 3:56
  is
• 3:56
  about
• 3:56
  powering
• 3:57
  one
• 3:57
  pay,
• 3:58
  as
• 3:59
  in
• 3:59
  one
• 3:59
  pay
• 3:59
  powered
• 3:59
  by
• 4:00
  Karna,
• 4:00
  like
• 4:00
  you
• 4:00
  said.
• 4:01
  So.
• 4:01
  And
• 4:01
  Walmart
• 4:02
  has
• 4:02
  millions
• 4:02
  of
• 4:02
  people
• 4:03
  going
• 4:03
  through
• 4:03
  its
• 4:03
  stores
• 4:03
  every
• 4:04
  day.
• 4:04
  If
• 4:04
  it
• 4:04
  can
• 4:05
  get
• 4:05
  people
• 4:06
  using
• 4:06
  its
• 4:06
  payment
• 4:07
  capabilities,
• 4:07
  not
• 4:08
  just
• 4:08
  in
• 4:08
  Walmart.
• 4:09
  Yeah.
• 4:10
  Also
• 4:10
  throughout
• 4:11
  the
• 4:11
  world,
• 4:12
  that
• 4:12
  means
• 4:12
  huge
• 4:13
  growth
• 4:13
  potential.
• 4:13
  This
• 4:14
  is
• 4:14
  a
• 4:14
  growth
• 4:14
  strategy,
• 4:15
  folks.
• 4:15
  This
• 4:15
  is
• 4:15
  what
• 4:15
  I
• 4:16
  talk
• 4:16
  about.
• 4:16
  This
• 4:16
  is
• 4:16
  what
• 4:16
  I
• 4:16
  hit
• 4:17
  Target
• 4:17
  over
• 4:17
  the
• 4:17
  head
• 4:17
  for
• 4:17
  all
• 4:18
  the
• 4:18
  time.
• 4:18
  This
• 4:18
  is
• 4:19
  a
• 4:19
  growth
• 4:19
  strategy.
• 4:20
  That's
• 4:20
  why
• 4:20
  Walmart
• 4:21
  is
• 4:21
  so
• 4:21
  impressive
• 4:22
  here.
• 4:22
  And
• 4:22
  the
• 4:23
  other
• 4:23
  part,
• 4:23
  and
• 4:23
  I
• 4:23
  don't
• 4:24
  know
• 4:24
  if
• 4:24
  you
• 4:24
  tried
• 4:24
  it,
• 4:24
  but
• 4:24
  I
• 4:25
  tried
• 4:25
  it
• 4:25
  yesterday.
• 4:26
  It
• 4:26
  is
• 4:26
  so
• 4:27
  easy
• 4:27
  to
• 4:27
  sign
• 4:27
  up.
• 4:28
  It
• 4:28
  took
• 4:28
  me
• 4:28
  less
• 4:28
  than
• 4:29
  three
• 4:29
  minutes
• 4:29
  to
• 4:29
  get
• 4:30
  signed
• 4:30
  up
• 4:30
  for
• 4:30
  it.
• 4:30
  I
• 4:30
  got
• 4:31
  a
• 4:31
  $10
• 4:31
  credit
• 4:32
  immediately.
• 4:32
  I
• 4:33
  can
• 4:33
  get
• 4:33
  another
• 4:33
  $50
• 4:34
  credit
• 4:34
  if
• 4:34
  I
• 4:34
  do
• 4:35
  some
• 4:35
  other
• 4:35
  things
• 4:35
  really
• 4:35
  quickly
• 4:36
  as
• 4:36
  well.
• 4:37
  So
• 4:38
  it's,
• 4:38
  you
• 4:39
  can
• 4:39
  see
• 4:39
  where
• 4:39
  this
• 4:40
  is
• 4:40
  going
• 4:40
  you
• 4:41
  know,
• 4:41
  Walmart
• 4:42
  wants,
• 4:42
  I
• 4:42
  mean,
• 4:42
  it's
• 4:42
  kind
• 4:42
  of
• 4:43
  a
• 4:43
  page
• 4:43
  out
• 4:43
  of
• 4:43
  like
• 4:44
  Elon
• 4:44
  Musk
• 4:45
  and
• 4:45
  his
• 4:45
  Tesla
• 4:45
  payment
• 4:46
  thing.
• 4:46
  Oh
• 4:46
  boy.
• 4:47
  Walmart
• 4:47
  wants
• 4:47
  to
• 4:47
  be
• 4:47
  the
• 4:47
  payment
• 4:48
  conduit.
• 4:48
  Yes.
• 4:49
  You
• 4:49
  know,
• 4:49
  for
• 4:49
  America,
• 4:50
  essentially.
• 4:51
  And,
• 4:52
  and
• 4:52
  God,
• 4:53
  you
• 4:53
  can
• 4:53
  see
• 4:53
  how
• 4:53
  you
• 4:53
  can
• 4:54
  actually
• 4:54
  start
• 4:54
  to
• 4:54
  see
• 4:55
  how
• 4:55
  this
• 4:55
  could
• 4:55
  play
• 4:56
  out.
• 4:56
  And
• 4:56
  so
• 4:56
  for
• 4:56
  that
• 4:57
  reason,
• 4:57
  I
• 4:57
  think
• 4:57
  it's
• 4:57
  actually
• 4:58
  a
• 4:58
  really
• 4:58
  smart
• 4:58
  move
• 4:58
  that
• 4:59
  they're
• 4:59
  just
• 4:59
  tying
• 4:59
  themselves
• 4:59
  to
• 4:59
  one
• 5:00
  partner,
• 5:00
  because
• 5:00
  that,
• 5:01
  that's
• 5:01
  the
• 5:02
  goal
• 5:02
  here
• 5:02
  at
• 5:02
  the
• 5:02
  end
• 5:02
  of
• 5:03
  the
• 5:03
  day,
• 5:03
  is
• 5:04
  just
• 5:04
  giving
• 5:04
  your
• 5:04
  customers
• 5:05
  something
• 5:05
  they
• 5:05
  can
• 5:05
  rely
• 5:05
  on.
• 5:05
  You
• 5:06
  don't
• 5:06
  need
• 5:06
  to
• 5:06
  give
• 5:06
  them
• 5:06
  a
• 5:06
  lot
• 5:06
  of
• 5:07
  options
• 5:07
  at
• 5:07
  the
• 5:07
  end
• 5:07
  of
• 5:07
  the
• 5:07
  day
• 5:08
  either.
• 5:08
  So
• 5:08
  just
• 5:08
  give
• 5:08
  them
• 5:08
  something
• 5:09
  they
• 5:09
  can
• 5:09
  rely
• 5:09
  on
• 5:09
  so
• 5:10
  you
• 5:10
  can
• 5:10
  focus
• 5:10
  on
• 5:10
  building
• 5:11
  that
• 5:11
  out.
• 5:12
  Super,
• 5:13
  super
• 5:14
  smart
• 5:14
  by
• 5:14
  Walmart.
• 5:15
  I,
• 5:15
  I
• 5:15
  love
• 5:15
  this
• 5:16
  story.
• 5:16
  Yeah.
• 5:17
  And
• 5:17
  so
• 5:17
  easy.
• 5:18
  Like,
• 5:18
  it's
• 5:18
  so
• 5:18
  easy
• 5:19
  whether
• 5:19
  you're
• 5:19
  checking
• 5:20
  out
• 5:20
  at
• 5:20
  the
• 5:20
  store,
• 5:21
  like
• 5:21
  you
• 5:21
  can
• 5:21
  tap
• 5:22
  one
• 5:22
  page,
• 5:22
  like
• 5:22
  on
• 5:23
  your
• 5:23
  phone,
• 5:23
  if
• 5:23
  you're
• 5:23
  using,
• 5:24
  scanning
• 5:25
  your
• 5:25
  wallet.
• 5:25
  Right.
• 5:26
  It's
• 5:26
  so,
• 5:27
  so
• 5:27
  simple
• 5:28
  to
• 5:28
  do.
• 5:28
  And
• 5:28
  that's
• 5:28
  what
• 5:29
  I
• 5:29
  love
• 5:29
  the
• 5:29
  most
• 5:29
  about
• 5:29
  this.
• 5:30
  Like,
• 5:30
  there's
• 5:30
  no
• 5:31
  messing
• 5:31
  around.
• 5:31
  It
• 5:31
  just
• 5:32
  kind
• 5:32
  of
• 5:32
  further
• 5:33
  establishes
• 5:33
  that
• 5:34
  relationship
• 5:34
  and
• 5:34
  that
• 5:35
  trust
• 5:35
  in
• 5:35
  Walmart
• 5:36
  as
• 5:36
  a
• 5:36
  retailer
• 5:36
  too.
• 5:37
  So.