• Walmart has made a big bet on ultrafast delivery across its US stores.
• Now the company is bringing the perk to Sam’s Club, with a new one-hour service option for members.
• Sam’s Club says its 10 fastest orders were fulfilled in under 12 minutes — way faster than Costco.

Walmart is doubling down on ultrafast delivery with a new option at its warehouse chain Sam’s Club.

On Wednesday, Sam’s Club e-commerce head Greg Pulsifer said a new “enhanced” express delivery option in the US has posted impressive numbers since it was rolled out three weeks ago.

“Our 10 fastest deliveries to date were all fulfilled in less than 12 minutes,” he said in a statement.

Members can now get Sam’s Club’s jumbo pack sizes with Walmart’s blazing-fast fulfillment.

The move ramps up pressure on warehouse club rival Costco, and underscores Walmart’s focus on growing e-commerce sales through a combination of convenience and value.

Last September, Walmart’s then-US CEO John Furner said Walmart’s fastest delivery time was under five minutes. The company also says more than 5% of store-fulfilled orders arrive in less than 30 minutes.

Sam’s Club has also had significant success with rapid fulfillment at international locations, most notably in China.

Faster fulfillment with a flat fee instead of higher prices per item

At Sam’s Club, sub-three-hour deliveries cost $17 for standard members and $5 for higher-tier Plus members and arrive within three hours, while the faster delivery option costs an additional $5 to get the order in less than an hour for both membership types.

Ralph Asher, founder of Data Driven Supply Chain, told Business Insider that this ultrafast delivery option could give Sam’s Club an advantage over its larger rival, Costco, especially since the product prices online match those at the warehouse.

Costco’s same-day services, which offer delivery in as little as an hour, are fulfilled by Instacart, and items are typically priced higher than those in-store. Costco says the higher prices allow most orders to avoid additional delivery fees, though long-distance orders are subject to a $10 fee.

Costco did not immediately respond to a request for comment on its delivery strategy.

Sam’s Club says it has now fulfilled nearly 65,000 orders under its three-hours-or-less delivery option, with an average delivery time of 55 minutes.

Top categories for express orders include water, produce, paper goods, and baby items, with more urgent items like baby formula and rotisserie chickens arriving in as little as 10 minutes. The fastest order Sam’s Club says it fulfilled was the delivery of Member’s Mark baby formula to a day care in Fargo, North Dakota, in nine minutes.

Asher said the logistics of delivering club-sized products aren’t all that different from delivering typical retail pack sizes — so long as the order fits in a gig driver’s car — but the lower unit cost of the club-sized item could make it a better deal for consumers.

And Sam’s Club isn’t doing this for fun. There’s a significant upside for sales growth.

Walmart has said that its fast delivery shoppers spend twice as much as the average digital customer. That figure jumps to three times as much when shoppers use fast delivery four or more times.

Your move, Costco.

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• In a video interview with CMO Insider, Rachel Thornton, CMO of Adobe’s enterprise business, spoke about how AI is driving experimentation.
• Ulta, an Adobe customer, is using AI to create a more personal connection with customers.
• Adobe’s customer events help Thornton think of ways to innovate its products.

Artificial intelligence creates “a culture of experimentation,” and gives marketers the power to quickly scale the innovative and creative work they do, said Rachel Thornton, chief marketing officer of Adobe’s enterprise business, in a video interview for CMO Insider.

A major benefit is optimized personalization. Thornton said one of its customers, the beauty retailer Ulta, is using AI to analyze customer data. AI can help pinpoint the specific customer preferences and market to a “segment of one,” creating a more personal relationship with the brand, she said.

“It’s a one-on-one relationship and is building that experience and that journey right around that customer,” she said.

Thornton was interviewed at Business Insider’s studio in New York.

The following transcript has been edited for clarity.

It’s been exciting to see how the marketing team uses AI to foster a culture of experimentation.

AI can really help you with understanding customer insights: What is the data telling us? How do we use things like the Adobe Audience Agent to help us find new audiences? How are we using our GenStudio performance-marketing product to scale our paid media efforts?

But it really is about how you embrace it and how you experiment with AI. It’s making sure that you’re keeping the marketer, the creative, at the center of the conversation, but then taking all the great innovative work they’re doing and scaling it. AI gives you that power.

AI is enabling Ulta to personalize the customer journey

Ulta Beauty is using AI to think about personalization and also about building a great customer journey. Previously, customers would have thought about the demographics and what demographic group their customer would fit into. Now, with AI, you can really understand, based on your customer data, preferences, what they’re buying, how they’re engaging, what they’re returning across stores, applications, and online.

Ulta can now see the entire customer journey. They can say, hey, I don’t have to market based on a demographic, I can market based on a segment of one. I can build a profile for an individual, understand what they want, and then really bring it to them so that they feel like that customer, and that relationship they have with that brand, is a personal relationship.

It’s a one-on-one relationship, and it’s really bringing them exactly what they need and building that experience and journey around that customer.

So, whether it’s creative products, marketing products, or segmentations, with our Adobe GenStudio product, you can think about creating assets for an amazing brand campaign, but then scaling it across multiple channels, even across multiple languages.

Then, thinking about your data platform — how you understand all of your customer data, what customers are doing, what you are seeing in terms of customer insights — it’s about bringing those insights to life to really feed that customer journey.

Celebrating creativity through customer events

At Adobe, we have a motto: We want to empower everyone to create. And I think that is so powerful because we believe and we see this in our customers. Everyone is creative at heart. How do we help you bring that creativity to life?

Whether you’re a creative pro, whether you’re a marketer, whether you’re an influencer, or whether you’re just looking to create great videos or great content, there are so many tools across our history, across our platform that customers are using every day and experiencing every day, and they love them.

In October 2025, we held our Adobe Max event in Los Angeles, where thousands of people came together to really learn and share with one another.

We have our marketing-centric event, Adobe Summit, happening in Las Vegas in April. It’s so exciting to have all these customers come together not only share with each other, but also to share with Adobe what they love about their products.

Listening to customers, taking their input, and really understanding what they love is how we build great products and innovate. And having such passionate customers and fans, it’s completely innovating. You get up every day and think, ‘How do I make these tools even better for all of the customers that use them?’

AI fuels exploration at home, and beyond

I love AI from an exploratory point of view. So, I travel a lot and bake a lot, and it’s actually great. I do recipe research and also iterate, like, what if I tweaked this about a recipe? So that’s a lot of fun. It’s like I have sort of a mini chef with me in the kitchen.

And then of course, when I’m traveling, it’s useful to be able to come up with highly customized itineraries and ideas, and even menu planning. That’s what I’ve loved it for.

• Meta launched internal AI software that tracks US employees’ keystrokes.
• Many employees reacted negatively to Meta’s new AI tool, questioning its privacy practices.
• Meta said its AI tool has privacy safeguards and is limited to work apps.

Meta is installing new software on its US employees’ computers that will track their keystrokes and mouse movements to train its AI, and it’s sparking backlash within the company, according to internal communications obtained by Business Insider.

Business Insider obtained the full internal announcement about the launch of the new AI training program. The post says that the software helps AI models improve how humans actually use computers, such as using keyboard shortcuts and choosing from dropdown menus. Reuters first reported on the new tracking software.

“For agents to understand how people actually complete everyday tasks using computers, we need to train our models on real examples,” the post said.

“This makes me super uncomfortable. How do we opt out?” was the top-rated comment in response to the internal announcement, according to a post on Meta’s internal workplace communications site seen by Business Insider.

The “angry-face” emoji was the most common reaction to the original announcement.

Meta CTO Andrew Bosworth responded in the thread that “there is no option to opt out of this on your work provided laptop.” This comment received a mix of crying, shocked, and angry-face emojis.

“There are safeguards in place to protect sensitive content, and the data is not used for any other purpose,” a Meta spokesperson told Business Insider.

Across the company, Meta has been going all-in internally on AI, forming a Meta Superintelligence Labs unit last year, launching AI Weeks, and reorganizing staff into “AI pods.”

While employees can’t opt out of the tracking software program, Meta employees’ work on their work devices has long been monitored, and staff are informed of that when they sign on, so the new program is more an extension of existing rules than a brand-new policy shift, according to a person familiar with the matter.

The post says the software is limited to a list of commonly used work applications, like Gmail, GChat, and Metamate, an AI assistant for employees. It also says it only applies to computers, not to employees’ phones.

Read the full internal announcement obtained by Business Insider below:

As Mark and Alexandr recently shared, our launch of Muse Spark is the first in a series of new large language models from MSU. We’re on a really strong trajectory with our models and one of the ways we can accelerate our path is by tapping into our own work day to day. While AI models excel at research and technical skills like coding, they still lack some of the basic ways that humans use computers like choosing from dropdowns and keyboard shortcuts. For agents to understand how people actually complete everyday tasks using computers, we need to train our models on real examples.

This is where all Meta employees can help our models get better simply by doing their daily work.

Starting today, we’re rolling out a tool for US-based FTEs and Contingent Workers that captures computer inputs like mouse movements, click locations and keystrokes as well as screen content for context.

Scope is limited to a pre-approved list of work-related applications and URLs, like Gmail, GChat, Metamate, and VSCode. US-based employees will see a pop-up with instructions to enable the tool called Model Capability Initiative (MCI).

This only applies to your computer and not your phone. To learn more about how the tool works including privacy safeguards, check out the wiki and FAQs.

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• Kevin Warsh has been nominated to succeed Jerome Powell as Fed chair.
• Senators pushed Warsh to keep the FOMC independent alongside political pressure.
• He spoke about his outlook on monetary policy and financial disclosures.

Kevin Warsh can’t change his LinkedIn job title just yet.

The former Wall Street executive joined the Senate Committee on Banking, Housing, and Urban Development on Tuesday to discuss his qualifications — and pending confirmation — as the chair of the Federal Reserve. Lawmakers asked about Warsh’s policy outlook, his loyalty to President Donald Trump, and his recently released financial disclosures.

From personal finance to political pressure, here are Business Insider’s biggest takeaways from the hearing.

Senators worry Warsh will be a ‘sock puppet’

Warsh’s confirmation isn’t a sure thing. Lawmakers across the aisle have expressed concerns about the future of Fed independence, especially as Trump has vocally pushed for steeper rate cuts. A recent Department of Justice probe into current Chair Jerome Powell raised alarm bells about political interference — and Senator Elizabeth Warren is concerned that Warsh will become a “sock puppet” for Trump.

“The Senate should not be aiding and abetting Donald Trump’s illegal takeover of the Fed by installing his chosen sock puppet as chair,” she said. “It’s an invitation for corruption and for economic catastrophe. We have the power to stop it, and we should be using that power.”

Both Democrats and Republicans asked for assurance that Warsh will not make future policy decisions based on the president’s desires.

Republican Thom Tillis renewed his vow to oppose all Trump nominees to the Fed chair position until the DOJ probe is dropped, but he said he likes Warsh as a candidate.

If confirmed, Warsh emphasized that he won’t bend to political pressure.

“I do not believe that independence of monetary policy is threatened when elected officials state their views on rates,” he said. “Fed independence is up to the Fed. That has three implications: First, Congress is tasked with the mission to ensure price stability. Inflation is the Fed’s choice. Second, Fed independence is at its peak in the conduct of monetary policy. And third, the Fed must stay in its lane.”

Warsh is bullish on AI

Fed chairs must carefully balance the dual mandate of maximum employment and stable prices. Warsh has a reputation for being tough on inflation, but he said his outlook is more future-focused than Powell’s. He said he won’t make major policy changes based on short-term geopolitical conflicts or supply shocks.

At the same time, Warsh told senators that AI growth — both in data center investment and in changes to the job market — could give a welcome boost to the economy.

“Something that I really do believe is that AI is a testament to American ingenuity,” Warsh said. “The United States is the best-positioned country in the world to take advantage of it so that the US economy and US workers benefit from it.”

Not all lawmakers agreed, with some saying AI disruptions could make life more unaffordable for American households. “What I don’t want to see is us use AI as an excuse for making good policy — too many families’ lives depend on this,” said Senator Lisa Blunt Rochester.

As Powell often says, “We’ll need to wait and see.”

The wealthiest Fed chair in history

After being submitted to the Senate committee days late, Warsh’s financial disclosures show he is worth well over $100 million. In 2025, he earned money from consulting, speaking gigs, and investment in the prediction market platform Polymarket.

If confirmed, it’s likely that Warsh would be the wealthiest chair to ever lead the central bank. He is also married to Jane Lauder, a member of the billionaire family behind the cosmetics giant Estée Lauder.

Some of his investments, however, remain undisclosed due to confidentiality agreements. Notable investments include two assets in the “Juggernaut Fund, LP” worth at least $50 million each, along with roughly 60 assets associated with THSDFS LLC, each worth at least $22 million.

Senator Warren asked Warsh at the hearing if any of these undisclosed investments are tied to Trump’s business interests, money laundering schemes, Chinese-controlled companies, or the Epstein estate.

Warsh did not answer directly but said he would divest from any potential conflicts of interest before taking an oath as chair. In a deal with the Office of Government Ethics, Warsh said he agreed to divest within 90 days of confirmation.

Senators still need to vote, and Powell will remain as chair until at least May 15.

“We’ll try to keep politics, if I’m confirmed, out of the Federal Reserve,” Warsh said.

• Tim Cook is stepping down as Apple CEO after 15 years.
• Although Cook didn’t create the iPhone or iPad, under his reign, it was perfected into something I love.
• Even during peak “tech backlash,” Cook and Apple maintained consumer trust.

Tim Cook, I want to thank you for something. Thank you for that thing when you get a five-digit login code texted to your phone, and it autofills with just a single tap. This feature is so beloved that I see odes to it pop up as sort of copypasta on meme accounts on Instagram and elsewhere.

“Security Code AutoFill” was a feature added to iOS 12 back in 2018, and I love it because, to me, it feels like such a perfect example of the kind of technology I love: a simple solution to a problem you didn’t even realize could have one. It makes your life better, easier, less frustrating — and it simply just works. For this feature alone, which has saved me countless seconds and a lot of annoyance, I give my undying thanks to Tim Cook.

When Cook took over as Apple’s CEO in 2011, I owned an iPhone and a MacBook, but I didn’t have a particular love for Apple. I found both products expensive, intimidating, and frustrating. That’s partly because it was 2011 and partly because of my own bad attitude. Over the next 15 years, I grew to love these devices — right now, I’d marry my phone like the woman and the Eiffel Tower if I could.

Of course, I know that Cook didn’t personally engineer the security code autofill, portrait mode on the cameras, or any of the other tiny life-changing improvements. I’m also aware that one of the criticisms about Cook’s tenure is that the truly paradigm-shifting, visionary hardware breakthroughs like the iPhone and iPad came from Steve Jobs, and Cook merely steadied the course.

But to me, those consistent incremental improvements to phones and laptops were what made me fall in love with Apple products. I grew excited for each Apple event in September and for WWDC in the spring, when new features would be announced. At times, I felt skeptical about how useful some of these would be, or even annoyed that the features seemed to be always targeted at someone richer, older, and more male than I am. But slowly and surely, Tim Cook turned me into something disgusting — something I never thought I’d be: an Apple fanboy.

I realized I was down bad a few years ago during the announcement of the Apple Watch Series 7, a fairly minor update. The most interesting thing was a dark green watch added to the lineup. (It’s my favorite color.) I found myself drooling, “I want that!” Even though I already had an Apple Watch Series 3 that worked perfectly fine on my wrist. (Don’t worry. I didn’t actually buy the new one. I’m an enthusiast, not a spendthrift.)

Apple avoided most of the Big Tech backlash

The context of the times is important here: This was during the peak of the “techlash” of the 2010s, when tech journalists like me scrutinized the industry and were more interested in stories about corporate accountability than gee-whiz-aint’t-this-cool. Many of the Big Tech companies at the time were indeed doing some pretty questionable things, and many tech CEOs seemed morally compromised, willing to do terrible things in pursuit of endless riches and power.

Apple (while by no means a perfect company!), with its strong user privacy policies, stood in contrast to other Big Tech peers like Facebook and Google at the time, and that made it feel more trustworthy. Cook himself, compared to a Mark Zuckerberg, Elon Musk, or Travis Kalanick, seemed more like the responsible, measured adult in the room.

Cook did more than just keep the ship steady after Steve Jobs — he did so during a time of typhoons and hurricanes — and that steady consistency is what won me over as a consumer (not necessarily as a tech journalist; on that level I would’ve welcomed some more spicy scandals).

The incoming CEO, John Ternus, previously the head of hardware, will take over at a tough moment for Apple, which has fallen behind in AI. I’m not sure what this means for the near future, but I do wonder if, considering surveys that keep showing how much normal people don’t trust or like AI, perhaps this was a blessing in disguise: not adding a bunch of imperfect AI features into our beloved iPhones has helped keep its consumer-trust ratings high.

Last week, I desperately needed to charge my phone while passing by an Apple store, so I popped in to charge while pretending to look at phones. I happily chatted with a friendly sales clerk about the new Neo laptops, which chips they use, and other specs — something that in 2011 I absolutely would not have cared about or understood, even though I was an adult who bought laptops then, too. But 15 years later, I’m a changed woman. Tim Cook, thank you for making me into a certified gadget freak.

A ceasefire between the US and Iran is set to expire on Wednesday. Both sides have already accused each other of breaking it.