PayPal: What the Future Looks Like in a Fintech Downturn

Uncertainty in the market is forcing PayPal back to basics. Thanks to PayPal’s wide scope and market power, its new growth strategy has the potential to reshape market dynamics, making it crucial for payment players and merchants alike to follow its trajectory. 3 KEY QUESTIONS THIS REPORT WILL ANSWER What is PayPal’s disruptive potential across its three core growth segments: checkout, digital wallets, and Braintree? Which vulnerabilities does PayPal face—despite its power in the market? How is the digital landscape being transformed by PayPal, and how does this affect merchants, networks, banks, and other payment providers? KEY STAT: PayPal’s worldwide transaction value will hit nearly $1.865 trillion in 2025. This corresponds to approximately 5.5% of worldwide retail sales that year, highlighting the massive market power the company holds. Table of Contents Executive Summary Key Points PayPal’s Power Focusing on the Heart of PayPal: Checkout PayPal’s Digital Wallet and Path to Be