Which of the following is NOT true about online marketplaces?

In many ways, online marketplaces are the perfect business model. Since they facilitate transactions between independent suppliers and customers rather than take possession of and responsibility for the products or services in question, they have inherently low cost structures and fat gross margins. They are highly defensible once established, owing to network effects.

Many credit card and utility companies send payment reminders by email that include details like the name on the account, the payment amount and the date due. What is probably happening here is that Google is automatically scanning your Gmail messages for notices about package deliveries, flight times, restaurant invitations and yes — bill reminders — and using the information in smartphone alerts for its Google Assistant software.