蘑菇AV

The BNPL player鈥檚 revenues doubled in Q4 thanks to users鈥� more frequent purchases

PayPal is the most recent player to integrate its FMN with shopping. The network, which launched last month, plans to integrate its ads with the 30 million merchants who use its payment system. PayPal will be using first-party data to run off-site ads, which will make up 20.1% of all RMN ad spend next year, per March 2024 蘑菇AV forecast.

In seven charts, this report tells the story of some of the most critical trends that digital leaders need to know about in 2024 and beyond.

PayPal is addressing this by partnering with merchants to sell ads on their websites. "This really emulates some of the offerings that we see from Rokt and Fluent within the non-endemic digital advertising space," Marzano said. The company will allow brands to advertise across multiple retailer sites to boost share of sales, leveraging PayPal's visibility into cross-merchant behavior.

And again, being able to leverage the data that PayPal is able to bring about a particular consumer who's going to see that ad, and how sales are looking from a cross-retailer perspective. Sara Lebow (18:51):. PayPal owns Venmo. Venmo has so much data.

But the social media platform may struggle to get its users on board unless it can differentiate the P2P service from its peers

PayPal has also tried to grow Pay with Venmo to monetize the peer-to-peer (P2P) app. Our take: Cash App Pay already has a long way to go to catch up to established competitors like PayPal, but the crowded field of buy buttons will make it even harder for Cash App Pay to gain significant adoption.

US digital commerce platforms will process $471.37 billion of their own payments by 2026. As a result, they鈥檒l enjoy stronger customer relationships, added revenues, and cross-sell synergy.

Verticals outside of retail, such as financial services (e.g., Chase, PayPal) and travel (e.g., Lyft, Expedia), are increasingly leveraging their first-party transaction-based data to launch media offerings of their own. Non-endemic advertising is a natural fit for sectors that have access to purchase-based data but don鈥檛 sell products directly to consumers.

That could mean that consumers鈥� preferred financial hub will be owned by the likes of Apple or PayPal, rather than Chase or Bank of America. Becoming distributors could offer incumbents revenue opportunities despite the competition. They provide many services that nonbank rivals cannot independently offer, ensuring continued revenues through API avenues.

Despite rapid digitization, providers shouldn鈥檛 close their retail doors just yet

PayPal. PYMNTS.com. Shift4. Shopify. Square. Stripe. TechCrunch. Toast. World Economic Forum.

As Taylor Haney of NPR explains, three former PayPal employees launched YouTube.com two decades ago. Originally intended as a dating website, he explains that the co-founders, Steve Chen, Chad Hurley, and Jawed Karim struggled to attract users, so they created YouTube's first video themselves titled Me at the Zoo. It wasn't long before the platform exploded in popularity.

Its volume towers over Cash App, Venmo, and PayPal, thanks to its integration into major banking apps. We expect Zelle volume growth to outpace these apps through 2028. But Zelle remains plagued by policymakers鈥� concerns that its users are vulnerable to fraud. In response, it is refunding victims of imposter scams and sending in-app alerts to help ensure users only send money to trusted recipients.

PayPal. Securities and Exchange Commission. Sezzle. The Motley Fool Ascent.

PayPal rolled out its own stablecoin, PayPal USD (PYUSD), and Revolut is reportedly preparing to launch one as well. Stripe also began supporting stablecoin payments this summer. Our take: Consumers lack incentives to adopt stablecoin payments, but there is a strong argument for stablecoins to be used in business and commercial payments.

Last week, PayPal Ads formally launched at Advertising Week New York, leveraging first-party data from 400 million users and 225 billion transactions to offer advertisers cross-merchant and market share insights. Why it matters: As third-party cookie policies change, brands are seeking more control over their data usage to pave the way for targeted marketing, insights, and personalization.

The tie-up can bring in a large new stream of payments volume for the BNPL player, boosting growth ahead of going public next year