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Klarna Launches ChatGPT App With A Live Pricing Twist | Fast Five Shorts · Omni Talk Retail

• 0:00
  Klarna
• 0:01
  has
• 0:01
  launched
• 0:01
  a
• 0:02
  new
• 0:02
  shopping
• 0:02
  search
• 0:03
  app
• 0:03
  directly
• 0:03
  inside
• 0:04
  ChatGPT,
• 0:05
  allowing
• 0:05
  consumers
• 0:06
  to
• 0:06
  search
• 0:06
  for
• 0:06
  products,
• 0:07
  compare
• 0:07
  prices,
• 0:08
  check
• 0:08
  availability,
• 0:09
  and
• 0:09
  view
• 0:10
  offers
• 0:10
  from
• 0:10
  multiple
• 0:11
  retailers,
• 0:11
  all
• 0:12
  without
• 0:12
  ever
• 0:13
  leaving
• 0:13
  the
• 0:13
  AI
• 0:14
  chat
• 0:14
  interface.
• 0:16
  According
• 0:16
  to
• 0:16
  payments,
• 0:17
  Klarna
• 0:18
  announced
• 0:18
  the
• 0:18
  launch
• 0:18
  of
• 0:19
  its
• 0:19
  shopping
• 0:19
  search
• 0:20
  app
• 0:20
  in
• 0:20
  ChatGPT
• 0:21
  on
• 0:21
  May
• 0:21
  20
• 0:22
  last
• 0:22
  week.
• 0:23
  Shoppers
• 0:23
  can
• 0:23
  describe
• 0:24
  what
• 0:24
  they
• 0:24
  want
• 0:24
  in
• 0:24
  natural
• 0:25
  language,
• 0:25
  receive
• 0:26
  visual
• 0:26
  product
• 0:26
  results
• 0:27
  with
• 0:27
  real
• 0:27
  time
• 0:28
  prices
• 0:28
  and
• 0:28
  availability
• 0:29
  from
• 0:29
  participating
• 0:30
  merchants,
• 0:31
  and
• 0:31
  then
• 0:31
  be
• 0:31
  redirected
• 0:32
  to
• 0:32
  the
• 0:32
  merchant
• 0:32
  site
• 0:33
  to
• 0:33
  complete
• 0:33
  the
• 0:33
  purchase.
• 0:34
  The
• 0:35
  app
• 0:35
  is
• 0:35
  powered
• 0:35
  by
• 0:36
  klarna's
• 0:36
  product
• 0:37
  search
• 0:37
  MCP
• 0:38
  server,
• 0:38
  a
• 0:39
  model
• 0:39
  context
• 0:40
  protocol
• 0:40
  server
• 0:41
  which
• 0:41
  connects
• 0:41
  ChatGPT
• 0:42
  directly
• 0:43
  to
• 0:43
  Klarna's
• 0:44
  commerce
• 0:44
  data.
• 0:45
  That
• 0:45
  network
• 0:45
  includes
• 0:46
  more
• 0:46
  than
• 0:46
  100
• 0:47
  million
• 0:47
  products
• 0:48
  and
• 0:48
  400
• 0:49
  million
• 0:49
  merchant
• 0:50
  listings
• 0:50
  across
• 0:50
  13
• 0:51
  markets.
• 0:52
  Chris,
• 0:53
  how
• 0:53
  significant
• 0:53
  is
• 0:53
  it
• 0:54
  that
• 0:54
  Klarna
• 0:54
  is
• 0:54
  putting
• 0:55
  its
• 0:55
  app
• 0:55
  into
• 0:55
  ChatGPT
• 0:57
  and
• 0:57
  is
• 0:57
  this
• 0:57
  just
• 0:57
  another
• 0:58
  expected
• 0:58
  generative
• 0:59
  AI
• 1:00
  experiment?
• 1:01
  Oh,
• 1:01
  man.
• 1:02
  Yeah,
• 1:02
  is
• 1:02
  it
• 1:03
  just
• 1:03
  another
• 1:03
  expected
• 1:03
  generative
• 1:04
  experiment?
• 1:06
  I
• 1:06
  actually
• 1:06
  think
• 1:06
  this
• 1:07
  moves
• 1:07
  really
• 1:07
  interesting
• 1:08
  and
• 1:08
  I'm
• 1:08
  not
• 1:08
  surprised
• 1:09
  that
• 1:09
  I
• 1:09
  think
• 1:10
  that
• 1:10
  given
• 1:10
  the
• 1:10
  conversation
• 1:11
  that
• 1:11
  you
• 1:11
  and
• 1:11
  I
• 1:11
  just
• 1:11
  had
• 1:12
  about
• 1:12
  what
• 1:13
  Google
• 1:13
  did
• 1:13
  last
• 1:13
  week
• 1:15
  and
• 1:15
  the
• 1:15
  reason
• 1:15
  I
• 1:16
  say
• 1:16
  that.
• 1:16
  So
• 1:16
  I
• 1:17
  interviewed
• 1:17
  for
• 1:17
  Hon
• 1:17
  Khan,
• 1:18
  who
• 1:18
  for,
• 1:19
  for
• 1:19
  my
• 1:19
  Investor
• 1:19
  Perspectives
• 1:20
  in
• 1:20
  Retail
• 1:20
  and
• 1:20
  the
• 1:21
  Consumer
• 1:21
  podcast.
• 1:21
  It's
• 1:22
  coming
• 1:22
  out
• 1:22
  next
• 1:22
  week
• 1:24
  and
• 1:24
  he's
• 1:25
  from
• 1:25
  ubs.
• 1:25
  He's
• 1:25
  a
• 1:26
  managing
• 1:26
  director
• 1:26
  at
• 1:26
  ubs
• 1:27
  and
• 1:27
  his
• 1:27
  job
• 1:27
  is
• 1:28
  to
• 1:28
  evaluate
• 1:29
  which
• 1:29
  tech
• 1:30
  he
• 1:30
  thinks
• 1:30
  he
• 1:30
  wants
• 1:31
  to
• 1:31
  bet
• 1:31
  on
• 1:31
  for
• 1:31
  the
• 1:31
  long
• 1:32
  run.
• 1:32
  And
• 1:32
  he
• 1:32
  brought
• 1:32
  up,
• 1:33
  he
• 1:33
  brought
• 1:33
  up
• 1:34
  two
• 1:34
  points
• 1:34
  that
• 1:35
  I
• 1:35
  think
• 1:35
  were
• 1:35
  really
• 1:35
  interesting
• 1:35
  in
• 1:36
  that
• 1:36
  podcast
• 1:36
  and
• 1:36
  I
• 1:36
  encourage
• 1:36
  everyone
• 1:37
  to
• 1:37
  listen
• 1:37
  to
• 1:37
  it
• 1:37
  when
• 1:37
  we
• 1:37
  release
• 1:38
  it.
• 1:38
  He
• 1:38
  said
• 1:38
  like,
• 1:39
  some
• 1:39
  of
• 1:39
  the
• 1:39
  advantages
• 1:39
  he
• 1:40
  looks
• 1:40
  for
• 1:40
  are
• 1:40
  scale
• 1:41
  and
• 1:42
  also
• 1:42
  like
• 1:42
  moats
• 1:43
  and
• 1:43
  the
• 1:43
  moat
• 1:43
  being
• 1:44
  payments.
• 1:44
  And
• 1:44
  so
• 1:45
  for
• 1:45
  example,
• 1:45
  if
• 1:45
  I
• 1:46
  know
• 1:46
  my
• 1:46
  payment
• 1:47
  data
• 1:48
  can
• 1:48
  allow
• 1:48
  me
• 1:48
  to
• 1:49
  transact
• 1:49
  quickly
• 1:49
  via
• 1:50
  Klarna
• 1:51
  and
• 1:51
  that
• 1:51
  I
• 1:51
  want
• 1:52
  to
• 1:52
  pay
• 1:52
  via
• 1:53
  Klarna,
• 1:54
  that
• 1:54
  in
• 1:54
  and
• 1:54
  of
• 1:54
  itself
• 1:55
  could
• 1:55
  be
• 1:55
  a
• 1:55
  calculated
• 1:56
  step
• 1:56
  in
• 1:57
  my
• 1:57
  LLM
• 1:57
  discovery
• 1:58
  process.
• 1:58
  And
• 1:59
  so
• 1:59
  Klarna,
• 2:00
  you
• 2:01
  know,
• 2:01
  is
• 2:01
  highlighting
• 2:02
  a
• 2:02
  marketplace
• 2:02
  of
• 2:02
  goods
• 2:03
  that
• 2:03
  are
• 2:03
  available.
• 2:03
  It
• 2:04
  gives
• 2:04
  you
• 2:04
  great
• 2:04
  pricing
• 2:05
  data
• 2:05
  across
• 2:05
  all
• 2:05
  the
• 2:06
  retailers
• 2:06
  it
• 2:06
  works
• 2:07
  with.
• 2:07
  So
• 2:07
  I
• 2:08
  don't
• 2:08
  know,
• 2:08
  Laura,
• 2:08
  that's
• 2:09
  a
• 2:09
  pretty
• 2:09
  compelling
• 2:10
  funneling
• 2:11
  point
• 2:11
  for
• 2:12
  me,
• 2:12
  which
• 2:13
  is
• 2:13
  why
• 2:13
  I,
• 2:13
  like,
• 2:13
  I've
• 2:14
  been
• 2:14
  very
• 2:14
  down
• 2:15
  on
• 2:16
  in
• 2:16
  App
• 2:16
  experiments
• 2:17
  in
• 2:17
  LLMs
• 2:17
  on
• 2:18
  this
• 2:18
  show,
• 2:18
  but
• 2:19
  for
• 2:19
  this
• 2:19
  one
• 2:19
  I'm,
• 2:19
  I'm
• 2:20
  kind
• 2:20
  of
• 2:20
  feeling
• 2:20
  a
• 2:21
  little
• 2:21
  bit
• 2:21
  different
• 2:21
  about
• 2:22
  it
• 2:22
  for
• 2:22
  that
• 2:22
  reason
• 2:23
  because
• 2:23
  like
• 2:23
  I
• 2:23
  could
• 2:23
  see
• 2:24
  like
• 2:24
  a,
• 2:24
  you
• 2:24
  know,
• 2:24
  somebody
• 2:25
  that
• 2:25
  likes
• 2:26
  to
• 2:26
  pay
• 2:26
  on
• 2:26
  installments
• 2:27
  or,
• 2:28
  you
• 2:28
  know,
• 2:28
  installment
• 2:28
  financing.
• 2:29
  Like,
• 2:29
  yeah,
• 2:30
  show
• 2:30
  me
• 2:30
  everything
• 2:30
  that's
• 2:30
  available
• 2:31
  and
• 2:31
  let's
• 2:31
  make
• 2:32
  this
• 2:32
  work
• 2:32
  and
• 2:32
  give
• 2:32
  me
• 2:33
  the
• 2:33
  best
• 2:33
  for
• 2:33
  my
• 2:33
  budget.
• 2:34
  I
• 2:34
  think
• 2:35
  that's
• 2:35
  pretty
• 2:35
  compelling,
• 2:36
  especially
• 2:36
  if
• 2:36
  Karna's
• 2:37
  marketplace
• 2:37
  is
• 2:38
  big
• 2:38
  enough
• 2:38
  and
• 2:38
  wide
• 2:39
  enough,
• 2:39
  which
• 2:40
  it
• 2:40
  might
• 2:40
  just
• 2:41
  be.
• 2:41
  And
• 2:41
  they
• 2:41
  are
• 2:42
  super
• 2:42
  smart
• 2:43
  at
• 2:43
  Karna.
• 2:44
  Yeah,
• 2:44
  yeah.
• 2:45
  I
• 2:45
  mean
• 2:45
  I
• 2:45
  think
• 2:47
  this
• 2:48
  gets
• 2:48
  ultimately
• 2:49
  to
• 2:49
  exactly.
• 2:49
  We
• 2:50
  were
• 2:50
  talking
• 2:50
  about,
• 2:50
  about
• 2:50
  the
• 2:51
  importance
• 2:51
  of
• 2:52
  payments
• 2:52
  and
• 2:53
  you
• 2:53
  know,
• 2:53
  the
• 2:53
  fact
• 2:54
  that
• 2:54
  our
• 2:54
  payment
• 2:55
  systems
• 2:55
  were
• 2:55
  built
• 2:56
  to
• 2:56
  keep
• 2:56
  robots
• 2:57
  out
• 2:57
  and
• 2:58
  now
• 2:58
  we're
• 2:59
  trying
• 2:59
  to
• 2:59
  reintroduce
• 2:59
  them.
• 3:01
  And
• 3:01
  so
• 3:02
  the
• 3:02
  big
• 3:02
  recognizable
• 3:04
  payments
• 3:05
  related
• 3:06
  companies
• 3:06
  with
• 3:07
  consumer
• 3:07
  trust
• 3:08
  I
• 3:08
  think
• 3:08
  are
• 3:08
  really
• 3:09
  well
• 3:10
  positioned.
• 3:10
  And
• 3:10
  you
• 3:10
  know,
• 3:11
  I
• 3:11
  think
• 3:11
  Klarna
• 3:12
  is
• 3:12
  increasingly
• 3:13
  one
• 3:13
  of
• 3:13
  those.
• 3:15
  And
• 3:15
  you
• 3:15
  know,
• 3:15
  to
• 3:15
  your
• 3:16
  point
• 3:16
  about
• 3:17
  having
• 3:18
  the
• 3:18
  new,
• 3:19
  new
• 3:19
  technology
• 3:19
  solutions
• 3:20
  and
• 3:20
  then
• 3:20
  moats
• 3:21
  Klarna
• 3:21
  was,
• 3:22
  has
• 3:22
  been
• 3:22
  out
• 3:22
  there
• 3:22
  trying
• 3:23
  to
• 3:23
  build
• 3:24
  a
• 3:24
  platform,
• 3:24
  you
• 3:25
  know
• 3:25
  and
• 3:26
  kind
• 3:26
  of
• 3:27
  we've
• 3:27
  seen
• 3:27
  a
• 3:27
  lot
• 3:27
  of
• 3:27
  the
• 3:28
  payments
• 3:28
  companies.
• 3:28
  You
• 3:28
  had
• 3:28
  Klarna,
• 3:29
  I
• 3:29
  think
• 3:29
  both
• 3:30
  Visa,
• 3:30
  definitely
• 3:30
  Visa
• 3:31
  and
• 3:31
  MasterCard
• 3:32
  maybe
• 3:32
  have
• 3:32
  thought
• 3:32
  about,
• 3:32
  you
• 3:33
  know,
• 3:33
  what,
• 3:33
  what
• 3:33
  does
• 3:33
  media
• 3:34
  look
• 3:34
  like
• 3:34
  as
• 3:34
  part
• 3:35
  of
• 3:35
  their
• 3:35
  solution
• 3:36
  if
• 3:36
  not
• 3:36
  it,
• 3:36
  you
• 3:37
  know,
• 3:37
  seems
• 3:37
  like
• 3:37
  a
• 3:37
  good
• 3:37
  idea
• 3:38
  because
• 3:38
  to
• 3:38
  your
• 3:38
  point,
• 3:38
  they
• 3:38
  have
• 3:39
  all
• 3:39
  this
• 3:39
  data
• 3:40
  on
• 3:40
  how
• 3:40
  people
• 3:40
  are
• 3:40
  spending
• 3:41
  money.
• 3:42
  You
• 3:42
  know,
• 3:43
  I,
• 3:43
  I
• 3:43
  think
• 3:43
  the
• 3:44
  question
• 3:44
  that
• 3:44
  I
• 3:44
  just
• 3:44
  keep
• 3:45
  asking,
• 3:46
  once
• 3:46
  you're
• 3:46
  over
• 3:46
  the
• 3:47
  hurdle
• 3:47
  of
• 3:47
  the
• 3:47
  app
• 3:48
  within
• 3:48
  the
• 3:48
  LLM,
• 3:49
  which
• 3:49
  I
• 3:49
  will
• 3:49
  admit
• 3:49
  I
• 3:50
  still
• 3:50
  am
• 3:50
  skeptical
• 3:51
  about
• 3:52
  100%,
• 3:53
  it's
• 3:53
  still,
• 3:54
  you
• 3:54
  know,
• 3:54
  which
• 3:55
  entity
• 3:55
  do
• 3:55
  consumers
• 3:56
  want
• 3:56
  to
• 3:56
  hand
• 3:57
  their
• 3:57
  payment
• 3:57
  authority
• 3:58
  to?
• 3:59
  Klarna
• 4:00
  has
• 4:00
  scale
• 4:00
  both
• 4:01
  with
• 4:01
  the
• 4:01
  merchants
• 4:02
  and
• 4:02
  the
• 4:02
  consumers.
• 4:05
  It
• 4:05
  makes
• 4:05
  me
• 4:05
  wonder
• 4:05
  if
• 4:06
  it
• 4:06
  is
• 4:06
  the
• 4:06
  wallet
• 4:06
  that
• 4:06
  consumers
• 4:07
  point
• 4:07
  their
• 4:07
  agents
• 4:08
  at.
• 4:08
  You
• 4:08
  know,
• 4:08
  we
• 4:09
  still
• 4:09
  see
• 4:09
  a
• 4:09
  lot
• 4:09
  of
• 4:09
  strength
• 4:10
  for
• 4:10
  Buy
• 4:10
  Now
• 4:10
  Pay
• 4:12
  whether,
• 4:12
  you
• 4:12
  know,
• 4:13
  consumer
• 4:13
  advocates
• 4:14
  be
• 4:14
  damned.
• 4:14
  It's
• 4:15
  still
• 4:15
  not
• 4:15
  great,
• 4:16
  but
• 4:16
  they
• 4:16
  still
• 4:16
  keep
• 4:16
  using
• 4:17
  it.
• 4:18
  And
• 4:19
  so
• 4:19
  does
• 4:20
  it
• 4:20
  point
• 4:20
  toward
• 4:20
  a
• 4:20
  future
• 4:21
  then
• 4:21
  of
• 4:21
  where
• 4:22
  there's
• 4:22
  a
• 4:22
  few
• 4:23
  competing
• 4:23
  wallets?
• 4:24
  You
• 4:24
  know,
• 4:24
  there's
• 4:25
  Google,
• 4:25
  there's
• 4:25
  Apple
• 4:26
  Pay,
• 4:26
  there's
• 4:26
  Klarna
• 4:28
  and
• 4:28
  then
• 4:28
  who,
• 4:29
  which
• 4:29
  one
• 4:29
  is
• 4:29
  your
• 4:29
  default?
• 4:31
  You
• 4:31
  know,
• 4:31
  whether
• 4:31
  we
• 4:32
  get
• 4:32
  into
• 4:32
  agents
• 4:33
  or
• 4:33
  it's
• 4:33
  just
• 4:34
  humans
• 4:35
  transacting
• 4:35
  on
• 4:35
  LLMs,
• 4:37
  whatever
• 4:37
  your
• 4:37
  default
• 4:38
  is,
• 4:38
  you
• 4:39
  know,
• 4:39
  matters
• 4:39
  a
• 4:39
  lot.
• 4:41
  And
• 4:41
  so
• 4:41
  you
• 4:41
  know,
• 4:42
  I,
• 4:42
  this
• 4:43
  leads
• 4:43
  to
• 4:43
  a
• 4:43
  tangent
• 4:44
  of
• 4:44
  I
• 4:44
  don't,
• 4:44
  I
• 4:44
  still
• 4:44
  don't
• 4:45
  know
• 4:45
  where
• 4:45
  Apple's
• 4:46
  going
• 4:46
  to
• 4:46
  land
• 4:46
  in
• 4:46
  this.
• 4:46
  To
• 4:47
  me,
• 4:47
  they
• 4:47
  were
• 4:47
  in
• 4:48
  the
• 4:48
  first
• 4:48
  or
• 4:48
  second
• 4:48
  row
• 4:49
  and,
• 4:49
  and
• 4:49
  to
• 4:50
  keep
• 4:50
  our
• 4:50
  metaphor
• 4:51
  going
• 4:51
  because
• 4:51
  they,
• 4:52
  they
• 4:52
  can
• 4:52
  see
• 4:52
  across
• 4:53
  our
• 4:53
  phones.
• 4:54
  Wouldn't
• 4:54
  it
• 4:54
  be
• 4:54
  great
• 4:54
  if
• 4:55
  you
• 4:55
  had
• 4:55
  an
• 4:55
  agent?
• 4:55
  They
• 4:56
  could
• 4:56
  see
• 4:56
  everything
• 4:56
  I
• 4:56
  was
• 4:57
  doing.
• 4:58
  But
• 4:58
  you
• 4:59
  know,
• 4:59
  we're,
• 4:59
  we're
• 5:00
  not
• 5:00
  doing
• 5:00
  that
• 5:01
  with
• 5:01
  Apple.
• 5:01
  It
• 5:02
  seems
• 5:02
  that
• 5:02
  the
• 5:02
  focus
• 5:03
  seems
• 5:03
  to
• 5:03
  be
• 5:03
  on
• 5:03
  the
• 5:03
  hardware.
• 5:04
  So.
• 5:05
  But
• 5:06
  back
• 5:06
  from
• 5:06
  that,
• 5:07
  that
• 5:07
  tangent,
• 5:09
  it
• 5:09
  does
• 5:10
  seem
• 5:10
  like
• 5:10
  Klarna
• 5:11
  is
• 5:11
  fitting
• 5:12
  itself,
• 5:12
  trying
• 5:12
  to
• 5:12
  fit
• 5:13
  itself
• 5:13
  into
• 5:13
  that
• 5:14
  conversation
• 5:14
  about
• 5:16
  how,
• 5:16
  how
• 5:16
  payments
• 5:17
  work
• 5:17
  on
• 5:18
  these
• 5:18
  platforms.
• 5:20
  Yeah,
• 5:20
  that's
• 5:20
  why
• 5:20
  I
• 5:21
  love
• 5:21
  doing
• 5:21
  this
• 5:21
  show,
• 5:21
  because
• 5:21
  you
• 5:22
  got
• 5:22
  me
• 5:22
  rethinking
• 5:22
  and
• 5:22
  playing
• 5:23
  devil
• 5:23
  devil's
• 5:24
  advocate
• 5:24
  on
• 5:24
  my
• 5:24
  own
• 5:24
  opinion
• 5:25
  too,
• 5:25
  Laura,
• 5:26
  because
• 5:26
  a
• 5:26
  part
• 5:26
  of
• 5:26
  me
• 5:27
  is
• 5:27
  like,
• 5:27
  well,
• 5:28
  if
• 5:28
  people
• 5:28
  wanted
• 5:28
  to
• 5:29
  do
• 5:29
  this
• 5:29
  with
• 5:29
  Karna,
• 5:29
  why
• 5:30
  wouldn't
• 5:30
  they
• 5:30
  just
• 5:30
  do
• 5:30
  it
• 5:30
  in
• 5:30
  the
• 5:31
  Karna
• 5:31
  app
• 5:31
  already?
• 5:32
  Like,
• 5:33
  you
• 5:33
  know,
• 5:33
  why
• 5:34
  couldn't
• 5:34
  I
• 5:34
  just
• 5:34
  serve
• 5:34
  this
• 5:34
  if
• 5:34
  I'm
• 5:35
  Karna,
• 5:35
  couldn't
• 5:35
  I
• 5:35
  just
• 5:35
  serve
• 5:36
  this
• 5:36
  up
• 5:36
  easier
• 5:36
  for
• 5:36
  them?
• 5:37
  And
• 5:37
  if
• 5:37
  I
• 5:37
  believe
• 5:38
  the
• 5:38
  consumer
• 5:38
  pro.
• 5:38
  Proclivity
• 5:39
  is
• 5:39
  there,
• 5:40
  why
• 5:40
  aren't
• 5:40
  I
• 5:41
  just
• 5:41
  doing
• 5:41
  this
• 5:41
  already?
• 5:42
  And
• 5:42
  so
• 5:43
  that's,
• 5:44
  that's.
• 5:45
  And
• 5:45
  that,
• 5:45
  I
• 5:45
  think,
• 5:45
  goes
• 5:45
  back
• 5:46
  to
• 5:46
  what
• 5:46
  we
• 5:46
  don't
• 5:47
  know.
• 5:47
  We
• 5:47
  don't
• 5:47
  know
• 5:47
  all
• 5:47
  the
• 5:48
  psychological
• 5:48
  reasons
• 5:49
  necessarily
• 5:50
  about
• 5:50
  why
• 5:50
  we
• 5:51
  choose
• 5:51
  to
• 5:51
  engage
• 5:52
  and
• 5:53
  actually
• 5:53
  consume
• 5:53
  products
• 5:54
  from
• 5:54
  the
• 5:54
  places
• 5:55
  we
• 5:55
  consume
• 5:55
  them
• 5:56
  from.
• 5:57
  You
• 5:57
  know,
• 5:57
  which,
• 5:57
  you
• 5:58
  know,
• 5:58
  which
• 5:59
  is
• 5:59
  just
• 5:59
  something
• 5:59
  I'm
• 5:59
  going
• 5:59
  to
• 6:00
  start.
• 6:00
  I
• 6:00
  think
• 6:00
  my
• 6:01
  big
• 6:01
  takeaway
• 6:01
  from
• 6:01
  this
• 6:01
  podcast
• 6:02
  as
• 6:02
  far
• 6:02
  as
• 6:02
  I'm
• 6:02
  gonna
• 6:03
  start
• 6:03
  thinking
• 6:03
  more
• 6:03
  about
• 6:04
  that
• 6:04
  because,
• 6:04
  yeah,
• 6:05
  like,
• 6:05
  why
• 6:05
  isn't
• 6:06
  this
• 6:06
  already
• 6:06
  happening
• 6:06
  if
• 6:07
  people
• 6:07
  want
• 6:07
  to
• 6:07
  do
• 6:07
  it?
• 6:08
  And
• 6:08
  maybe
• 6:08
  we're
• 6:08
  just
• 6:09
  early
• 6:09
  on
• 6:09
  it.
• 6:09
  I
• 6:09
  don't
• 6:10
  know.
• 6:10
  But,
• 6:10
  yeah,
• 6:11
  I
• 6:11
  don't
• 6:11
  know.
• 6:11
  What
• 6:11
  do
• 6:11
  you
• 6:11
  think?
• 6:11
  Right.
• 6:12
  Well,
• 6:12
  I
• 6:13
  think,
• 6:13
  I
• 6:13
  think
• 6:13
  then
• 6:14
  we
• 6:15
  give
• 6:15
  Klarna
• 6:15
  credit
• 6:16
  for
• 6:17
  maybe
• 6:18
  the
• 6:18
  mark.
• 6:18
  I
• 6:18
  will
• 6:19
  fully
• 6:19
  admit,
• 6:20
  in
• 6:20
  the
• 6:20
  vein
• 6:20
  of
• 6:20
  saying
• 6:21
  things
• 6:21
  I
• 6:21
  don't
• 6:21
  know.
• 6:21
  I
• 6:21
  don't
• 6:22
  know
• 6:22
  what
• 6:22
  traffic
• 6:22
  is
• 6:23
  like
• 6:23
  to
• 6:23
  Klarna's
• 6:23
  marketplace
• 6:24
  and,
• 6:24
  or
• 6:25
  what,
• 6:25
  you
• 6:25
  know,
• 6:25
  uptake
• 6:25
  is
• 6:26
  like.
• 6:26
  I
• 6:26
  haven't
• 6:26
  seen.
• 6:26
  They
• 6:27
  talk
• 6:27
  about
• 6:27
  it
• 6:27
  a
• 6:27
  lot
• 6:27
  publicly.
• 6:29
  To
• 6:29
  their
• 6:30
  credit,
• 6:30
  they
• 6:31
  may
• 6:31
  be
• 6:31
  saying,
• 6:31
  okay,
• 6:32
  we
• 6:32
  have
• 6:32
  this
• 6:32
  marketplace
• 6:33
  and
• 6:33
  we
• 6:34
  are
• 6:34
  going
• 6:34
  to
• 6:35
  be
• 6:35
  where
• 6:35
  consumers
• 6:35
  are.
• 6:36
  And
• 6:36
  I
• 6:36
  think
• 6:36
  that's
• 6:36
  where
• 6:37
  the
• 6:38
  best
• 6:38
  thinking
• 6:38
  brands
• 6:39
  and
• 6:39
  retailers
• 6:40
  are.
• 6:40
  How,
• 6:41
  how
• 6:41
  they're
• 6:41
  orienting
• 6:42
  their,
• 6:43
  you
• 6:44
  know,
• 6:44
  investment
• 6:44
  in
• 6:44
  technology
• 6:45
  right
• 6:46
  now
• 6:46
  is
• 6:47
  just
• 6:47
  follow
• 6:47
  the
• 6:48
  consumer
• 6:49
  and,
• 6:49
  and
• 6:49
  follow
• 6:50
  what
• 6:50
  the
• 6:50
  consumer
• 6:50
  is
• 6:50
  trying
• 6:51
  to
• 6:51
  do.
• 6:51
  Maybe
• 6:52
  not
• 6:52
  necessarily
• 6:54
  exactly
• 6:54
  where
• 6:54
  they
• 6:55
  spend
• 6:55
  their
• 6:55
  time,
• 6:57
  but
• 6:57
  I,
• 6:57
  I
• 6:57
  do
• 6:58
  think
• 6:58
  that's
• 6:58
  been
• 6:58
  an
• 6:59
  adage
• 6:59
  that
• 7:00
  through
• 7:00
  my
• 7:00
  career,
• 7:01
  you
• 7:01
  know,
• 7:01
  tried
• 7:02
  to
• 7:02
  follow
• 7:03
  it
• 7:04
  went
• 7:04
  back
• 7:04
  when
• 7:05
  CPG
• 7:05
  Brands
• 7:06
  said
• 7:06
  nobody
• 7:06
  will
• 7:06
  ever
• 7:06
  buy
• 7:07
  food
• 7:08
  on
• 7:08
  Amazon,
• 7:09
  not
• 7:09
  fresh
• 7:09
  food.
• 7:10
  And
• 7:10
  we're
• 7:10
  still
• 7:10
  dealing
• 7:11
  with
• 7:11
  that.
• 7:11
  But,
• 7:11
  like,
• 7:12
  nobody's
• 7:12
  going
• 7:12
  to
• 7:12
  buy
• 7:12
  their
• 7:13
  food
• 7:13
  on
• 7:13
  Amazon.
• 7:13
  It's
• 7:14
  like,
• 7:14
  yeah,
• 7:14
  but
• 7:15
  65%
• 7:16
  of
• 7:16
  them
• 7:17
  are
• 7:17
  there.
• 7:17
  So,
• 7:18
  like,
• 7:18
  don't
• 7:18
  you
• 7:18
  want
• 7:18
  to
• 7:18
  be
• 7:19
  there
• 7:19
  in
• 7:19
  case
• 7:20
  they
• 7:20
  do
• 7:20
  want
• 7:21
  to
• 7:21
  buy
• 7:21
  that?
• 7:21
  So,
• 7:23
  you
• 7:23
  know,
• 7:23
  I,
• 7:23
  that's
• 7:24
  where
• 7:24
  I
• 7:24
  guess
• 7:24
  I
• 7:24
  have
• 7:24
  to
• 7:24
  give
• 7:25
  Clara
• 7:25
  credit.
• 7:25
  They're,
• 7:26
  they're
• 7:26
  just
• 7:27
  trying
• 7:27
  to
• 7:27
  be
• 7:27
  where,
• 7:28
  you
• 7:28
  know,
• 7:28
  everybody
• 7:29
  is.
• 7:30
  And,
• 7:30
  and
• 7:31
  that
• 7:31
  seems
• 7:31
  to
• 7:31
  be
• 7:31
  what's
• 7:32
  guiding
• 7:32
  the
• 7:32
  successful
• 7:33
  retailers
• 7:34
  and
• 7:34
  brands
• 7:34
  right
• 7:34
  now.
• 7:36
  Yeah.
• 7:36
  Right.
• 7:37
  And
• 7:37
  that
• 7:37
  always
• 7:37
  goes
• 7:37
  back
• 7:37
  to
• 7:37
  quote.
• 7:38
  I
• 7:38
  always
• 7:38
  screw
• 7:38
  up
• 7:38
  the
• 7:38
  quote,
• 7:38
  too.
• 7:39
  But,
• 7:39
  like,
• 7:39
  the
• 7:40
  near
• 7:40
  term
• 7:40
  technology,
• 7:41
  technological,
• 7:42
  always
• 7:42
  happens
• 7:43
  slower
• 7:43
  than
• 7:43
  we
• 7:43
  think
• 7:43
  it
• 7:44
  will,
• 7:44
  but
• 7:44
  the
• 7:44
  longer
• 7:44
  term
• 7:45
  happens
• 7:45
  faster.
• 7:45
  Right.
• 7:46
  I
• 7:46
  think
• 7:46
  that's
• 7:46
  also
• 7:46
  the
• 7:46
  point
• 7:47
  you're
• 7:47
  getting
• 7:47
  at
• 7:47
  here,
• 7:47
  which
• 7:47
  is
• 7:48
  like,
• 7:48
  we
• 7:48
  feel
• 7:49
  like
• 7:49
  we
• 7:49
  want
• 7:49
  this
• 7:49
  to
• 7:49
  happen
• 7:50
  fast,
• 7:50
  but
• 7:50
  it's
• 7:50
  probably
• 7:51
  just
• 7:51
  going
• 7:51
  to
• 7:51
  take
• 7:51
  time
• 7:52
  and
• 7:52
  there's
• 7:52
  going
• 7:52
  to
• 7:52
  be
• 7:52
  a
• 7:53
  lot
• 7:53
  of
• 7:53
  things
• 7:53
  we
• 7:53
  learn
• 7:53
  along
• 7:53
  the
• 7:54
  way.