That's interesting - I live right next to a K-Market and I'm not in a risk demographic so not had the need, but when I moved from the UK to Finland some 10 years ago one thing I missed was that the UK supermarkets at the time had excellent online delivery systems (they're buckling under the strain of the current crisis due to surge in demand, but back then they worked well enough). Finland didn't seem to have anything equivalent until recently, which I thought was more due to geography, population density and other factors that just didn't make it economical for the K and S chains.
Supermarket delivery in the UK has been fantastic, much better than Finland. I think you are right about the population density, and also the amount of competition between 8 large supermarket chains in the UK, vs the near cartel like situation in Finland.
Another example would be automated checkouts - that came much later in Finland compared to the UK. I think there's a good point there that the duopoly stifles innovation, plus there's just a much smaller market and less pressure to scale up.
