U.S. Financial Services Focus: The Walmart Shopper

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Walmart Inc.’s consumer financial services offerings are the broadest among those offered by major retailers. Even so, the share of corporate revenue attributed to financial services and related products is dwarfed by their contribution to Walmart’s in-store traffic volume, and the corresponding impact on overall sales. Moreover, their margins strengthen Walmart’s ability to effectively compete on price against other retailers across retail categories.

U.S. Financial Services Focus: The Walmart Shopper shows how retailers can harness the power of financial services and products to drive customer traffic and increase margins. The report provides detailed quantification of and insight into Walmart and Sam’s Club comprehensive financial services and products strategy, and the effect on broader consumer usage and third-party partner relationships. 

Covered in this analysis are credit cards, prepaid cards, money transfer services, tax services, and mobile engagement. The contributions of major partners (such as prepaid card provider Green Dot, money transfer provider MoneyGram, credit card partner Synchrony Financial, and tax services partner Jackson Hewitt) and related revenue impact are also examined, with analysis framed in terms of key customer demographics and key retail and online competitors.