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THE ONLINE GROCERY REPORT: The coronavirus pandemic is thrusting online grocery into the spotlight in the US — here are the players that will emerge at the top of the market

  • This is a preview of the Business Insider Intelligence Online Grocery premium research report. Purchase this report here.
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The coronavirus pandemic has brought online grocery — a promising but formerly niche industry — to the fore. The combination of consumers' interest in avoiding public places, government orders to stay at home, and the continued need for groceries and essential goods has made online grocery delivery services from the likes of Walmart, Amazon, Target, and Instacart indispensable.

Previously, some consumers resisted the shopping method because they wanted to pick out their groceries themselves and avoid extra fees, but the pandemic has forced many to change their priorities. And the sudden focus on online grocery is set to alter consumer behavior well after the pandemic subsides, accelerating the industry's penetration in the US.

How well online grocers meet demand during the pandemic will play a major role in determining the top online grocers after the pandemic abates. Grocers' ability to fulfill as many orders as possible in a variety of convenient channels throughout the pandemic will be important, as consumers may turn to different providers if they can't place an order from one grocer through the channel they want — an issue that's popped up in some markets for several grocers during the crisis.

But online grocers that can keep customers throughout the pandemic may be able to keep those shoppers for the foreseeable future: 75% of online grocery shoppers still shopped with their first-ever online provider, per a survey from Bain and Google from 2018. So, the grocers that meet the most consumers' needs during the pandemic will likely lead the industry even after it subsides.

In The Online Grocery Report, Business Insider Intelligence first looks back at how online grocery adoption was progressing prior to the coronavirus pandemic to understand the state of the industry before the shopping method became vital to many consumers. Next, we examine why the pandemic is popularizing online grocery services and the impact it's already having on adoption. We then forecast how online grocery's penetration will grow in the coming quarters and years due to the pandemic, and consider the factors that will determine the industry's staying power. Finally, we analyze top online grocery players' ability to meet surging demand during the pandemic and how that positions them to build customer bases that can last well beyond the pandemic. 

The companies mentioned in this report are: Albertsons, Aldi, Amazon, BJ's Wholesale Club, Costco, FreshDirect, Grubhub, Hannaford, H-E-B, Instacart, Kroger, Ocado, Peapod, Publix, Target, Uber Eats, Walgreens, Walmart, and Whole Foods.

Here are some key takeaways from the report:

  • The coronavirus pandemic is pushing consumers to buy essential products digitally, which is rapidly accelerating adoption of online grocery services in the US.
  • Online grocery's staying power will come down to the length of the pandemic — because if the crisis stretches on, more consumers may be pushed to try an online grocery service — and how well online grocers meet surging demand, because consumers may abandon online grocery if they find it difficult to receive orders.
  • The online grocery services that are best able to handle surging order volume will likely be the most popular services after the pandemic subsides because consumers will be able to rely on those services to consistently bring them groceries.
  • Walmart and Instacart are best positioned to lead the pack post-pandemic given Walmart's massive brick-and-mortar network and Instacart's wide reach thanks to its platform model.

In full, the report:

  • Examines the US online grocery industry prior to the coronavirus pandemic to highlight what was driving the industry's adoption, and what obstacles it faced.
  • Analyzes why the realities of the pandemic — such as concerns about contracting the virus — have pushed many consumers to try an online grocery service for the first time.
  • Forecasts the US online grocery industry's penetration in 2020 and in the years to come, laying out a moderate and extreme scenario to account for the uncertainty surrounding the recovery from the pandemic.
  • Discusses why the duration of the pandemic and online grocers' ability to meet demand will determine the popularity of online grocery after the pandemic subsides.
  • Highlights how Walmart, Amazon, Target, and Instacart are positioned in the online grocery industry, how well they're meeting demand during the pandemic, and how they are expected to fare in the space beyond the pandemic.
  • Recommends how online grocers can maximize their performances during and after the pandemic with innovations like automation, operational flexibility, and bundling services.

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Business

A Paris teacher who had shown his class cartoons of the Prophet Muhammad was beheaded in 'Islamist terrorist attack'

  • A teacher who had shown his class controversial cartoons of the Prophet Muhammad was beheaded near a school in a Parisian suburb on Friday afternoon.
  • The 47-year-old history teacher had shown his pupil's caricatures of the Prophet Muhammad from the satirical newspaper Charlie Hebdo as part of an obligatory "moral and civil education" course.
  • President Emmanuel Macron has called the incident an "Islamist terrorist attack." 
  • The knifeman was an 18-year-old Moscow-born man who, according to witnesses, shouted "Allahu Akbar" as he attacked the teacher with a large kitchen knife, later posting pictures of the killing on social media.
  • The attack comes just three weeks after two journalists were stabbed outside the former Charlie Hebdo offices.
  • Visit Business Insider's homepage for more stories.

A teacher who had shown his class highly controversial cartoons of the Prophet Muhammad was decapitated in a Parisian suburb on Friday afternoon, in what President Emmanuel Macron has called an "Islamist terrorist attack." 

French police shot dead an 18-year-old man who allegedly beheaded the teacher with a large kitchen knife near a school in a residential suburb of Conflans-Sainte-Honorine.

According to a police source, witnesses had heard the knifeman shout "Allahu Akbar" ("God is Greatest ") as he attacked the teacher, Reuters reported. He is also said to have shared photos of the attack on social media. 

The 47-year-old history and geography teacher had shown his pupils, aged 12 to 14, caricatures of the Prophet Muhammad from the satirical newspaper Charlie Hebdo that many Muslims found highly offensive 

The lesson was part of an obligatory "moral and civil education" course that all primary and secondary French schools have in their curriculum.

Visiting the scene shortly after the attack, Macron said the teacher was a "victim of an Islamist terrorist attack" killed because he "taught the freedom of expression, of believing and not believing," according to Sky News

"They won't win …We will act," the French president added, the BBC reported.

The 18-year-old knifeman, who has not been named, was born in Moscow and is said to have had Chechen roots, according to the Associated Press (AP). He fled after the attack but local police confronted him in the nearby area of Éragny.

After police ordered him to give himself up, the knifeman is said to have threatened them, prompting them to shoot him. The suspect, who had a petty criminal record and was not known to the country's intelligence service, died a short time later. 

Four people, including a minor, have also been arrested.

The history teacher's lesson had sparked complaints from several parents.  One family lodged a legal complaint while another parent posted a YouTube video after the lesson complaining about the teacher.

In response, another parent wrote a comment below the video on Friday, defending the teacher.

"I am a parent of a student at this college. The teacher just showed caricatures from Charlie Hebdo as part of a history lesson on freedom of expression. He asked the Muslim students to leave the classroom if they wished, out of respect … He was a great teacher. He tried to encourage the critical spirit of his students, always with respect and intelligence," the parents wrote, according to the Guardian.

"This evening, I am sad, for my daughter, but also for teachers in France. Can we continue to teach without being afraid of being killed?" the parent added. The video has now been removed.

France has suffered a wave of Islamist violence since the terrorist attack on the Charlie Hebdo headquarters in 2015 that left 12 people dead. A trial over the Islamist assault is currently underway in Paris.

Three weeks ago, two journalists from a production company were stabbed and seriously injured outside the satirical magazine's former offices.

Charlie Hebdo responded to Friday's attack on its Twitter account, writing: "Intolerance has crossed a new threshold and does not seem to give ground to anything in imposing its terror on our country."

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Business

Here's the 11-slide pitch deck an instant-pay startup used to raise a $4.5 million seed round led by Upfront Ventures

  • Clair is an earned wage access fintech built for payroll companies and gig platforms.
  • Earned wage access — giving employees access to their pay between paychecks — has taken off amid the coronavirus pandemic.
  • Here's the 11-slide pitch deck Clair used to raise its $4.5 million seed round in April.
  • Visit Business Insider's homepage for more stories.

The two-week pay cycle is becoming a thing of the past. Both fintechs, gig platforms, and incumbents in the payroll space have been rolling out earned wage access products, giving employees the ability to draw on money they've earned between paychecks. 

Fintechs like Dave and Earnin market directly to consumers, whereas the likes of PayActiv and DailyPay target employers. There are also companies like Gusto and Square that are embedding earned wage access into their platforms.

Clair is the latest entrant into the space with an earned wage access platform built for payroll companies and gig platforms.

"What we've realized is all the other payroll providers, workforce management apps, and gig platforms are interested in building it, but building an entire digital bank is pushing it too far," Nico Simko, cofounder and CEO of Clair, told Business Insider. 

"So there is clearly room for a provider who is building a digital bank on a new tech stack and able to give them just the required APIs," Simko.

Read more: Gusto, a $3.8 billion small-business payroll startup, is muscling in on fintechs like Earnin by adding a feature to let workers get paid early

In April, Clair closed a $4.5 million seed round led by Upfront Ventures, with participation from Founder Collective and Walkabout Ventures. Cofounders Alex Kostecki, Erich Nussbaumer, and Simko started building Clair last October. Clair declined to disclose the names of existing customers. Its valuation was not disclosed. 

Distributed via payroll companies, employees get access to the Clair app and a Mastercard debit card. Clair makes money through interchange fees earned each time the card is used.

Earned wage access is meant to help employees avoid overdrafts late fees on bills, and serve as an alternative to payday loans. Like many of the players, Clair offers a savings account, too.

Different to many of the fintech players, Clair's platform is free for employees.

"We have one very simple principled approach, which is if you've earned your wages, you shouldn't have to pay tips, transaction fees, or monthly fees," Simko said.

Find more pitch decks in our searchable pitch-deck library here.

Want to hear from the leaders of digital transformation in finance? Insider Intelligence is hosting two free webinars called “The Bank Insider Panel – Acting on Consumers’ Accelerating Digital Adoption.” Click here to reserve your spot.Learn more about the financial services industry

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World News

Gov. Whitmer says she has 'always felt safe' but doubles down on charges that extremists are 'finding comfort' in Republican rhetoric

  • Michigan Governor Gretchen Whitmer doubled down on her belief that extremist groups are emboldened by divisive rhetoric, specifically from Republicans.
  • These groups, she said in an interview with "Face The Nation" on CBS Sunday, "are finding comfort and support in the rhetoric coming out of Republican leadership." 
  • This past week, federal prosecutors charged six men for plotting to kidnap Whitmer and seven other men for terrorism-related crimes. 
  • Visit Business Insider's homepage for more stories.

Democratic Michigan Governor Gretchen Whitmer doubled down on her claims that Republican leaders are galvanizing extremist groups. 

Whitmer was a target of a failed kidnapping plot by at least six men who had ties to the militant "boogaloo" movement that allegedly urged its members to conduct surveillance on the governor's private home.

"I have always felt safe," Whitmer said in a Sunday interview with "Face The Nation" on CBS. "But I do believe that there are still serious threats that groups like this group, these domestic terrorists, are finding comfort and support in the rhetoric coming out of Republican leadership from the White House to the State House," she added. "So I remain concerned about safety and integrity going into this election"

This past week, federal prosecutors charged six men for plotting to kidnap Whitmer and seven other men for terrorism-related crimes. Whitmer stated in a press conference and an op-ed that Trump is "complicit" in the extremist violence, pointing out that "when our leaders encourage domestic terrorists, they legitimize their actions."

Many protesters in Michigan expressed anger at Whitmer for carrying out a statewide lockdown in the wake of the coronavirus pandemic. Several of these men charged, who have also been linked to several extremist groups, were also involved with the anti-lockdown protests, the Michigan Attorney General stated in an interview with MSNBC on Thursday. 

"Whether people support me politically or they supported my opponent in the last election, my job as governor is to make sure that Michigan is a place where we are saving lives or following the science," Whitmer told CBS on Sunday. 

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World News

Startups backed by the likes of Tencent and Alibaba gave us their top 7 tips for the perfect pitch deck

  • Investors are keeping their hands in their pockets as the COVID-19 pandemic causes economic turmoil around the world. 
  • In March, almost a third of investors pulled out of UK seed-funding deals over fears of an oncoming recession. 
  • Business Insider asked up-and-coming founders – backed by the likes of Tencent and Alibaba – how anyone hoping to raise a venture capital round can help score investments with the perfect pitch deck. 
  • Visit Business Insider's homepage for more stories.

As the economic slowdown brought about by COVID-19 forces investors to tighten the purse strings, it's never been more important for founders to get their pitches just right. 

In March, almost one-third of investors pulled out of UK seed funding deals amid fears that the pandemic was about to trigger a global recession. 

SeedLegals, a London firm that specializes in legal advice for smaller startups, told Business Insider the number of venture capitalists participating in early-stage funding rounds for startups dropped by 28% in March.

Those who do find themselves successfully pitching to investors currently have to do so over Zoom rather than in person, making a strong pitch deck an even more crucial accompaniment.

We asked Anthony Rose, SeedLegals cofounder and CEO, for his expert advice on putting together the perfect pitch deck. 

Fellow founders Albert Liu, CEO of Alibaba-backed facial recognition firm Kneron, and James Dean, CEO of Tencent-backed AI firm Sensat, chipped in with some words of wisdom too. 

Read their words of wisdom below: 

Your pitch deck should tell a story.

There's no "perfect formula" for a good pitch deck, according to Sensat CEO James Dean. 

He suggests: "Think about the key messages you want to get across and how you can order them chronologically to build your story. 

"Remember great stories are relatable and require both novelty and tension. People are narcissistic and enjoy stories about people like themselves. Fluency is more important than complexity." 

SeedLegals' Anthony Rose concurs: "A pitch deck should tell a story, and like a story it has a beginning (the problem you're solving, what it is), a middle (market size, competition, unique advantages) and an end (revenue projections, traction so far, team, the ask).

"And, then, job done – stop there." 

It will take time to get your presentation perfect.

Before approaching Tencent with their pitch, Dean says the Sensat team worked tirelessly to get their deck just right. 

"I put the actual slides together, including the design, and also had the task of cutting down the deck from 100 to 20 slides before it was ready.

"For us, telling the story over and over is the best way to refine the deck and make sure the visuals are communicating what you intend…

"I never wrote a speech, but it probably took 20 meetings to refine the flow of the deck." 

"I've seen pitches which had me at slide 12, then lost me at slide 30," adds SeedLegals' Rose. 

"Get the slides in the wrong order and you'll miss building the desire and holding the attention of the investor." 

 

The vision, the opportunity, and the business model are key.

After raising more than $70 million in a funding round backed by Sequoia and Alibaba, Kneron CEO Albert Liu said there are three things to focus on: "The vision, the market opportunity, and the business model." 

He said: "When we were pitching, we made sure to address these first three aspects within the first few slides of our deck.

"This ensured that investors were excited about who Kneron is, the products we're developing and how those will impact our customers.

"Focusing on the impact you want to have is key for showing investors that you have the right vision and potential to shake up the industry."

Avoid buzzwords and distractions.

Rose warns budding entrepreneurs it's "all too easy" to sprinkle your deck with buzzwords and meaningless jargon. 

But he warns: "Your investor may not engage in conversation about your business for fear of being embarrassed that they don't know those terms.

"Or, if they're industry-specific terms, like medical buzzwords, you're sending a message to investors who don't specialize in just that segment that this isn't for them." 

Don't over-value the company.

One of the most difficult problems every founder will need to figure out is how to value the company.

Too low and you'll give away too much equity and dilute yourself excessively. Get it too high and investors won't bite.

"What many founders don't realise is that get it too high, and your next round may have to be a down round, which makes everyone unhappy," says Rose.

"That's a particular problem for companies doing crowdfunding, where a bubbly pitch deck may entice small investors to invest at a high valuation, but when it comes to the next round, VCs may not buy into that stellar valuation."

Do one thing and do it well.

As the old saying goes: Less is more. 

"Founders often try to impress investors by listing a grand vision of all the things they're going to build," says Rose.

"They come in with: 'We're building a B2C product, and B2B as well, with partner APIs, and we'll sell data, with an admin portal'. 

"But if your competitors are focusing all their firepower on just creating a great consumer app, who's going to win?

"Unless you have 50 developers, focus on one thing, and do it well. Stay focused and aim to get revenue before you go wide." 

Finally: Remember the ask.

Spell out nice and clearly what you want from your investors.

You'll want to include a figure on how much capital you're seeking to raise, contact details, and your website URL. 

"You'd be surprised how many decks miss that," laughs Rose. 

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THE GLOBAL E-COMMERCE LANDSCAPE: How the coronavirus pandemic is accelerating e-commerce maturation in India, Indonesia, Mexico, and Nigeria

  • Insider Intelligence publishes thousands of research reports, charts, and forecasts on the Payments & Commerce industry. You can learn more about becoming a client here.
  • The following is a preview of one Payments & Commerce report, the Global E-Commerce Landcape. You can purchase this report here.

The coronavirus pandemic is strengthening e-commerce in India, Indonesia, Mexico, and Nigeria, which already had factors like sizable populations, fast e-commerce growth rates, and a large number of digital buyers working in their favor — but it also faces distinct obstacles in each country.

Pre-pandemic, each e-commerce market was set to reach more consumers and rack up more sales in the coming years due to factors like expanding internet access and smartphone adoption, as well as the development of digital payment methods. However, there have also been factors working against e-commerce in each market, such as unfavorable regulatory environments, geographic obstacles, foreign competition, and lacking infrastructure.

Now, lockdowns and concerns about visiting stores are accelerating these e-commerce markets' development, illustrating how the pandemic is rapidly strengthening opportunities for e-commerce stakeholders around the world. Each of these countries experienced some form of lockdown in response to the coronavirus crisis, making e-commerce more appealing and necessary than ever.

This caused consumers in these countries, where many people had yet to make an online purchase, to start shopping online and plan to make more e-commerce purchases after the pandemic subsides. The sudden uptick in e-commerce shopping, both right now and in the years to come, is giving e-tailers more consumers to target than they would have without the pandemic, offering e-commerce players the chance to scale their operations more quickly than they might've planned.

In The Global E-Commerce Landscape report, Insider Intelligence examines the effects of the coronavirus pandemic on the development of the e-commerce markets in India, Indonesia, Mexico, and Nigeria. We lay out the major e-commerce players in each country, including both domestic firms and companies based around the world, to examine the level of competition in the four markets. Finally, we analyze the opportunities and challenges e-tailers face in each market, considering both changes caused by the pandemic and factors that are unrelated to the crisis. 

The companies mentioned in this report are: Alibaba, Amazon, Bukalapak, Cornershop, Facebook, Falabella, Flipkart, Flutterwave, Google, Gojek, Grab, JioMart, Jumia, Konga, Lazada, Linio, Liverpool, Mall For Africa, Mercado Libre, Ovo, Paga, Reliance Industries, Shopee, SystemSpecs, Tokopedia, Uber, Visa, Walmart, Worldpay

 

Here are some key takeaways from the report:

  • The coronavirus pandemic is accelerating e-commerce development in India, Indonesia, Mexico, and Nigeria, which were already considered some of the highest-potential online shopping markets in the world. These markets serve as examples of the sudden opportunities to scale that are available to e-commerce stakeholders in several countries in the wake of the pandemic.
  • India's market was already on the rise before lockdown forced consumers to turn to online shopping — but some e-commerce restrictions likely frustrated shoppers.
  • Indonesian consumers' interest in shopping via online marketplaces and other platforms is growing, potentially pushing e-commerce sales to soar in the near future — but serious hurdles unrelated to the crisis loom.
  • E-commerce is set to experience rapid uptake in Mexico thanks to high smartphone penetration, but international competition and limited access to digital payments may complicate the situation.
  • Nigeria doesn't have a dominant e-tailer yet, and the pandemic may make the market ripe for competition — provided e-tailers can reach consumers despite issues with electricity and internet access.

In full, the report:

  • Examines how the e-commerce markets in India, Indonesia, Mexico, and Nigeria, are set to progress in light of the coronavirus pandemic and other key factors.
  • Lays outs the top e-commerce players in each country and considers how they might stack up in the years to come.
  • Discusses the opportunities each market holds for e-tailers as the pandemic accelerates the adoption of online shopping and other market characteristics open the door for greater e-commerce sales.
  • Looks at the challenges e-tailers face in each country, including issues that popped up during the pandemic and other problems that could impact operations regardless of the current crisis.

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Business

FINTECH ACCELERATORS: An inside look at top banks' accelerator programs — how they work, what success looks like, and what it means for the future of financial services

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Accelerators are fixed-term and often cohort-based programs during which an incumbent company, like a financial institution (FI), offers its expertise and guidance to startups, such as fintechs, to help the startups develop their product as well as build their company overall.

While initially introduced by companies with a sole focus on running accelerator programs, banks have entered the fray as the need to introduce new digital financial services has increased. 

By running accelerator programs, banks can benefit from the innovative solutions participating startups can bring to the table — something that's more important than ever as the coronavirus pandemic accelerates digital transformation efforts. Additionally, they get insights into various digital trends to keep tabs on the changing industry. Meanwhile, startups are provided with mentoring and guidance to develop and enhance their products and solutions.

In The Fintech Accelerator Report, Business Insider Intelligence spoke with key figures within the accelerators of top banks — Wells Fargo, Barclays, and Citi — to find out more about how they run their respective programs. We detail how the accelerators provide guidance to help startups develop their solutions, and highlight notable alumni startups from each program to reveal insights on how both fintechs and banks benefit from their participation. Finally, we examine the possible effects of the coronavirus on each accelerator program, and how the banks can still ensure effective programs moving forward.

The companies mentioned in the report include: Alkymi, Ascent RegTech, Bank of England, Barclays, Citi, ChargeAfter, Coinbase, Cover, Cyberwrite, Flux, Kasisto, Lloyds of London, Roostify, Simudyne, Stripe, Techstars, Wells Fargo, Waffle, Y Combinator.

Here are some key takeaways from the report:

  • This report highlights three accelerators from banks — Wells Fargo, Barclays, and Citi — that have successfully run their programs over a number of years. 
  • Wells Fargo's accelerator stands out due to its virtual nature, meaning that participating startups don't have to relocate to a Wells Fargo hub. Participants in the accelerator are chosen based on how they can help streamline the bank's operations, and those that are accepted get access to mentorship and potential funding.
  • Barclays launched its accelerator in partnership with Techstars and runs its program in New York and London. Once selected for the program, startups receive mentorship from Barclays and its partners, funding from the bank, and the potential opportunity to partner with the firm outside of the program.
  • Citi's accelerator was introduced in 2013 in Tel Aviv, Israel, as part of the Citi Innovation Lab. Startups have to go through a process that includes pitch events to be accepted into the program, during which they receive mentorship and help raising funding.

In full, the report:

  • Outlines the benefits of accelerator programs for banks and fintechs.
  • Highlights three particular accelerator programs from top banks.
  • Details what services banks provide participating startups up with to help develop their solutions.
  • Spotlights some notable fintechs that have participated in the banks' accelerators, and how they have benefited from the programs.
  • Discusses how the coronavirus has affected the individual programs, and evaluates how banks have reacted to the pandemic.

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Want to hear from the leaders of digital transformation in finance? Insider Intelligence is hosting two free webinars called “The Bank Insider Panel – Acting on Consumers’ Accelerating Digital Adoption.” Click here to reserve your spot.Learn more about the financial services industry

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