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The challenges: UPS’ turnaround remains in the early innings due to structural inefficiencies, operational missteps, and mounting macroeconomic headwinds. Our take: UPS faces a difficult road ahead. The company is actively trying to streamline operations—planning to shutter up to 10% of its buildings, downsize its fleet, and reduce its US workforce to better align with leaner volumes. It’s also trimming low-margin business, notably cutting back on Amazon deliveries, which made up as much as 11.8% of its total revenues last year, in an effort to prioritize more profitable shipments. Still, with demand under pressure and cost headwinds mounting, stabilizing performance will be an uphill climb.

Cross-border buyer numbers are rising in Europe as shoppers seek value and variety—but consumer expectations and regulatory changes could challenge future growth.

The news: PayPal will enable Pay with Crypto in an attempt to streamline cross-border payments for US merchants through its intricate network of digital wallet and cryptocurrency integrations in the coming weeks. In the meantime, US consumers will have to break age-old payment habits: Only 8% of crypto owners who use cryptocurrency to purchase goods and services do so daily; most only use it up to four times a year. Building these consumer payment preferences will take time, so PayPal should remain patient.