The multi billion dollar company has more information and resources, but also has the disadvantage that it has to make uniform offers to large groups of people.

The multi billion dollar company has more information and resources, but also has the disadvantage that it has to make uniform offers to large groups of people. The same offer might be hugely in favor of one customer and to the disadvantage of another. Who's favored overall depends on who accepts the deal (which both sides can try to influence)