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What the Future Looks Like in a Fintech Downturn

About This Report
PayPal is rethinking its growth strategy amidst market turmoil and slower-than-anticipated growth. All eyes are on the original fintech and payments powerhouse as it moves in a new direction; its strength in the market affects every part of the payments value chain.
Table of Contents

Executive Summary

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.


  1. What is PayPal’s disruptive potential across its three core growth segments: checkout, digital wallets, and Braintree?
  2. Which vulnerabilities does PayPal face—despite its power in the market?
  3. How is the digital landscape being transformed by PayPal, and how does this affect merchants, networks, banks, and other payment providers?

WHAT’S IN THIS REPORT? This report will dive into PayPal’s three-pronged growth strategy, explore its opportunities and risks, and highlight the impact it will have on merchants and key payments players.

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.

Here’s what’s in the full report


Exportable files for easy reading, analysis and sharing.


Reliable data in simple displays for presentations and quick decision making.

Table of Contents

  1. Executive Summary
  2. Key Points
  3. PayPal’s Power
  1. Focusing on the Heart of PayPal: Checkout
  2. PayPal’s Digital Wallet and Path to Becoming a Super App
  3. Braintree: Feeding Into PayPal’s Unified Commerce Experience
  1. Read Next
  2. Sources
  3. Media Gallery


Grace Broadbent


Daniel Decea
Researcher, Financial Services
Eleni Digalaki
Principal Analyst
David Morris
Principal Analyst
Jaime Toplin
Senior Analyst
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