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In a recent meeting with a large retailer, my contact shared that each buyer on her team receives over 100 emails daily referencing data on a variety of topics, from out-of-stock issues and inaccurate pricing to recommendations for driving e-commerce. On the supplier side, the situation is similar: delivering Monday morning reporting to retailers, preparing for line reviews, monitoring out-of-stocks, and pushing new promotions. Emails and Excel are still the primary drivers of the $5 trillion retail industry, in the U.S. alone. The opportunity for error in complex retail supply chains is immense. If demand forecasting and inventory management across thousands of store locations are inaccurate, the cost is tremendous. The combined cost of overstock and out-of-stocks are $1.77 trillion globally, just in 2023. These if only moments are coordination failures, and the root cause lies with siloed data and manual processes. Tariff uncertainties, climate change, and geopolitical instability are driving additional waste and operational inefficiencies that strain an industry already operating on razor-thin margins. The disconnect between retailers and suppliers is unsustainable and presents the most challenging operational issue across highly complex retail supply chains. COLLABORATIVE AI AGENTS Improved collaboration between retailers, suppliers, and AI technology can overcome disconnects. Those gaps can be between product design, procurement, marketing and promotional planning, and product distribution. AI is often described as something a single company should leverage, but verticalized AI agents that specialize in retail can streamline manual tasks and facilitate collaboration across multiple companies so humans can spend time on what drives the business: being strategic. Collaboration is at the core of a successful retail strategy. Agentic AI will change the way retailers and suppliers communicate and collaborate by surfacing alerts and making autonomous decisions that give retail the optimization boost it needs. It will not completely hand over management to agents, but it will enable humans to focus on higher level collaboration and informed decision making. Currently, retailers, suppliers, and distributors each hold only a slice of the truth, thanks to complex workflows, fragmented data, and cross-company processes that lack connectivity, transparency, and context. AI agents can automate, negotiate, coordinate, and problem solve across organizational boundaries. They turn coordination into a competitive advantage. Companies that master agentic AI orchestration will (finally) gain complete visibility and optimization. AI agents will become specialized AI teammates that coordinate across organizations to achieve shared goals and resolve problems independently and proactively. These autonomous agents can share insights (without exposing sensitive raw data), adapt to changing conditions in real time, and offer a path forward for retailers and their consumer packaged goods (CPG) partners to achieve immediate and long-term operational goals. Notably, an agentic AI network requires more than technology itself. Many organizations focus on the latest agent-to-agent and multi-agent tools and frameworks, such as A2A, Microsoft AutoGen, or CrewAI. These tools support autonomous actions and support cooperation between AI agents, but they do not solve the more complex problem of building trust and standard AI operating procedures across companies. Beyond the base technologies, these networks need a governance framework. Large enterprises are already adopting standards such as ISO 42001 and the NIST AI Risk Management Framework. These provide essential guidance, but they do not create the integral shared smart contract, a set of agreed-upon rules and goals that everyone trusts. Once this advanced framework is established, agents can take independent actions within predefined boundaries to work towards common goals shared by retailers and suppliers. For example, price optimization is a critical joint business objective where AI agents can help. By tracking inventory levels, monitoring competitors pricing, and analyzing consumer behavior patterns, agents can recommend pricing adjustments when needed and offer ways to optimize promotional spend to help retailers and suppliers deliver value to their consumers while preserving profitability. AI AGENTS IN ACTION AI agents can address and solve coordination failures across many aspects of retail supply chains. Reducing out-of-stocks: Every empty shelf means lost sales, weakened brand loyalty, and an open door for competitors to capture the shoppers choiceand purchase. Demand forecasting, which relies heavily on lagging data, often misses real-time shifts in demand, resulting in incorrect ordering. For example, phantom inventory (inventory noted as in-store but not actually on shelves due to misplacement), results in misaligned forecasts. AI agents can improve out-of-stock rates and deliver value directly to the bottom line for CPGs and their retail partners. Manage trade promotions: Trade promotions are one of the CPGs largest P&L investments, but they quickly become discounts that drain profits. Poor measurement and inconsistent analysis lead to unprofitable promotions being repeated. CPGs often deploy a one-size-fits-all approach to promotion, offering discounts across categories rather than accounting for shopper and pack dynamics. PwCs recent 2025 Future of Consumer Shopping Survey predicts that the most successful CPG companies will leverage AI to optimize pricing and promotion strategies in the coming years, unlocking significant incremental sales and margin uplift. E-commerce execution: Poor e-commerce execution wastes advertising spend and causes CPGs to cede the digital shelf share to the competition. Attribution and measurement are often muddied by limited cross-channel visibility. Messy product catalogs, missing attributes, or inconsistent product mapping can degrade (re)targeting campaigns. The Gartner 2025 CMO Spend Survey reports that marketing leaders are increasing their investment in GenAI to improve the efficiency of marketing tasks. By improving media spend effectiveness, AI can support brands in transforming wasted spend into profitable, scalable growth. UNPRECEDENTED COLLABORATION Collaborative AI agents designed for retail represent a significant structural shift in how the industry operates. The most challenging pain points and time-sensitive decisions that were if only we knew moments will be replaced by unprecedented ross-organizational collaboration, driven by informed and autonomous agents, allowing humans to focus on strategy. Are Traasdahl is CEO and founder of Crisp.
Category:
E-Commerce
People who are squeamish about needles will soon have an alternative, as the Food and Drug Administration has approved a pill version of Wegovy that could be available as soon as next month. Novo Nordisk, maker of the GLP-1 weight-loss drug, announced on Monday that it has received FDA approval for its once-daily pill that has been shown to achieve comparable weight-loss results as the injectable Wegovy. The Danish drugmaker said the pill could launch in the U.S. in early January, while it is still awaiting approval from regulatory authorities elsewhere. The news marks a new era for the spate of popular weight-loss drugs. While there is a 14-milligram oral semaglutide currently on the marketthe diabetes drug Rybelsusthe Wegovy pill will be made available in a higher, 25-milligram dose. Theres not yet a pill version of Ozempic, which is also made by Novo Nordisk. As the first oral GLP-1 treatment for people living with overweight or obesity, the Wegovy pill provides patients with a new, convenient treatment option that can help patients start or continue their weight loss journey, Mike Doustdar, president and CEO of Novo Nordisk, said in a statement. We are very excited for what this will mean for patients in the U.S. THE PILL RACE The race to get a weight-loss pill on the market has been a long time coming, as Novo Nordisk began clinical trials of the Wegovy pill more than two years ago. Eli Lilly, maker of Zepbound and Mounjaro, is currently testing a weight-loss pill called orforglipron in clinical trials and the drug is part of an FDA priority voucher program that comes with a faster timeframe for reviewing medications. Wegovy is also part of that program. As with the shot, the Wegovy pill will require a prescription from a doctor. About one in eight American adults were taking a GLP-1 drug as of several weeks ago, according to a KFF Health Tracking Poll released last month. These drugs are especially popular among middle-aged adults, as 30% of people between the ages of 50 and 64 reported that theyve used one of these drugs at some point, the highest share among any demographic. A pill version could mean that even more people are on weight-loss medications. We believe it will expand access and options for patients, Dr. Jason Brett, principal U.S. medical head for Novo Nordisk, told CNN in an interview. We know there are some patients who just wont take an injectable medication. COST IN FOCUS But the cost of these drugs has also become a concern, and particularly if insurance doesnt cover them. Last month, President Donald Trump announced a plan to lower the costs of popular prescription drugs, including Wegovy and Ozempic, if people purchase through TrumpRX. The Wegovy pill will be available for as little as $149 per month for the starting dose of 1.5 milligrams as part of that deal the drugmaker struck with the Trump administration last month. That said, the starting dose of these drugs typically doesnt yield the same type of weight loss and are intended to help people build up a tolerance. Novo Nordisk didnt provide information about the pricing for the higher dosage of the pill that was approved by the FDA. Shares of the Danish drugmaker have surged more than 8% so far this week.
Category:
E-Commerce
The fintech industry has spent the last decade obsessing over seamless experiences and bringing financial products inside the tools that consumers were already hooked on. Instant approvals, one-click funding, and frictionless onboarding became the benchmarks of success. And for good reason; they removed friction that had frustrated their customers for generations. But here’s what we’re learning as embedded finance matures: The consumers and businesses that use embedded financial products repeatedly and stay loyal to their platforms are not just staying for the technology and platform. They’re staying because when they need it, theyre able to get help from people who understand the product, can anticipate their issues, and guide them through decisions that carry real financial weight. Its not just the technology that is required to win, but the right level of service also. EMBED SOLUTIONS, NOT JUST PRODUCTS Embedded fintech puts financial services directly inside the software people already use to manage their everyday life or business. Here’s why the human element matters from day one. Say youre a restaurant owner looking to apply for capital through your point-of-sale system. When a business owner needs to understand their costs, their options, and whether it makes sense to take a bank loan or advance, reassurance and education are the difference between gaining a customer and losing one. Financial issues carry real consequences and static. Confusing FAQ pages often arent enough to build the trust needed to work through them. Tomorrows embedded solutions cater to the full experience. They offer support from onboarding onwards, and a person to call when need arises. An API that works smoothly is embedded finance. A specialist who walks a customer through why their funding limit changed and what they can do about it? That’s a true embedded solution. SPEED ALONE WONT HELP Fast approvals get customers excited. A three-minute application that results in instant access to $50,000 in working capital, or a next generation embedded credit card, feels impressive at first. But speed without guidance often leads to confusion and eventually customers who stop using the product. Consider the restaurant owner we mentioned above who is applying for working capital through their point-of-sale system. They’re looking at questions about personal guarantees, wondering what happens to their home if the business hits a rough patch. They’re trying to figure out if automatic deductions will interfere with making payroll next week. A self-serve flow can’t anticipate or answer questions like this. It makes it hard to build trust or drive long-term use. Human support changes the numbers by helping customers understand what they have access to and how to use it. When someone has access to a human to help them work out how to use a product, the math is simple. They use it a lot more. BETTER SERVICE EQUALS MORE ADOPTION The most successful embedded fintech products combine great products with a team of people who know how to guide customers through complex decisions. It’s not about choosing between automation and service. It’s about using both where they work best. Even with a smooth digital experience, first-time financial product users benefit from talking to someone who understands their business. The best specialists don’t just answer questions. They help customers see how to get the most value. Most businesses don’t use the maximum available credit. Not because they don’t need it, but because they’re unsure when it makes sense to access more. When a specialist reaches out to say, “We noticed you’re growing quickly and using about 60% of your available capital. Want to talk about whether increasing your limit makes sense?” two things happen. First, the customer feels seen. Second, they’re more likely to access additional capital that actually helps them grow. THE FUTURE OF EMBEDDED FINANCE The embedded finance industry is moving past the early “automate everything” phase. The platforms and providers building long-term relationships understand that financial products are fundamentally about trust, and trust comes from consistent, helpful interaction backed by reliable technology. This doesn’t mean every fintech provider will build massive support teams. It means the successful ones will figure out how to deliver expert guidance at scale, using technology to make human expertise more accessible and effective, not to replace it. For software platforms, this creates an opportunity. As embedded finance becomes more common, service quality becomes a key way to stand out. Its not just about access to capital and financial services. The platforms that help their customers actually use them to grow will build stronger relationships than platforms that simply offer another feature. Luke Voiles is CEO of Pipe.
Category:
E-Commerce
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