Strategy question

The CEO of your company has asked you to launch a digital wallet. Should you?

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What this question tests

Strategic judgment on whether to say no to a CEO's request when the data does not clearly support it.

How to approach it

  1. Clarify the CEO's underlying goal: increase payment volume captured, customer loyalty, or compete with rivals already in the space.
  2. Assess Walmart's actual advantage: massive in-store and online transaction volume and an existing loyalty and pay infrastructure.
  3. Assess the risk: digital wallets are a crowded, low-margin category with entrenched players like Apple Pay and PayPal.
  4. Weigh the opportunity: a wallet tied to Walmart's own ecosystem could improve checkout speed and capture more first-party payment data.
  5. Give a conditional answer: yes, but scoped narrowly to Walmart's own ecosystem (in-store and Walmart.com) rather than a general-purpose wallet competing broadly.
  6. State the success metric that would validate the bet: adoption rate among frequent Walmart shoppers within the first year.

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