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if I was Tesco ceo , I would want to increase the wholesale side to capture larger market as supermarket arena is saturated . so it can be two prong strategy , 1) offer better pricing / promotions to retailers 2) offer better banking / card charge services .

Tesco will already have this as their normal operations so it will be matter of rolling it out to retailers .

next most profitable option for Tesco to look at would be own banking arm and get retailer's accounts .