Tag Archives: paypal

PayPal Advertising?

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Yesterday PayPal announced PayPal Ads Manager

“PayPal Ads Manager gives tens of millions of small businesses access to high-margin ad revenue while creating valuable new inventory for advertisers of all sizes.”

“Retail media networks have become a multi-billion-dollar industry that generates high-margin revenue by enabling businesses to sell advertising on small business websites and apps”

As the Founder/CEO of Commerce Signals we brought card data to market primarily for measurement (now part of TU). It gave us a view of how advertisers performed and what data was valuable. I went into great detail on the challenges of  JPM’s Retail Media network in my June 2025 blog  Understanding How Payments Data Plays in Advertising (2025), and more generically in my 2021 blog Data Games. 

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The Shakeup PayPal Needs

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Rumors are that a substantial organizational change at PayPal is in progress. Frankly, it’s overdue. For any global payments company to succeed, its leaders must possess a deep, almost intuitive, understanding of the global payments ecosystem. This is where PayPal is currently failing.

We have a CEO, Alex Chriss, known as a product specialist. While he may be excellent at getting products out the door, this is not the problem PayPal faces. Unfortunately, the team can’t see the forest fire given their conspicuously poor payment background. For example, look at Diego Scotti as EVP and GM of the consumer group. His experience comes from Verizon, and his chief credential is that he is the husband of Janey Whiteside, one of Alex’s closest payment advisors. When growth doesn’t happen and targets get missed, investors begin to look for the reasons and the resumes of those running the ship.

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eCommerce 2025 – Wallets, Share Shift, Conversion Rates and Key Segments

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© Starpoint LLP, 2025. No part of this site, blog.starpointllp.com, may be reproduced or retransmitted, in whole or in part, in any manner without the permission of the copyright owner. Also, see our Legal/Disclaimer (this is a highly opinionated and partially informed blog).

My estimates for how US eCom market share will shift in next 3 yrs are at the end of this blog.

eCommerce is not a single monolithic market. There are many “segments” to optimize that vary by geography, retailer type, consumer device, customer type (guest vs loyal), transaction type (recurring vs new), ad type, payment type,…etc. A great source of this information is Monetate (highly recommend). For example, let’s look at conversion rates by industry, device and region.

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eCom 2025 

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18 months of Revolutionary Change in How we Buy Online

Short Blog

Follow up to my June 2024 blogs – eCom Politics and Scenarios and Fastlane + FIDO Enabled Checkout. Today, we focus on the changes, what merchants are asking for, and what consumers will adopt (and when). 

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eCom – Politics and Scenarios

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Frank Young – Contributor

What are banks talking about this week? How did Apple’s announcement impact them? While 15bps on 2% of eCom GDV is a nuisance, 15bps on 15% of eComm GDV is an earthquake. 

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Apple Wallet “2.0” in iOS18 – What’s In It?

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Winners: Consumers, Merchants, Banks, Networks and Affirm

Losers: Branded PayPal and Venmo

Apple’s WWDC is on Day 2. Today we will see significant enhancements to ApplePay and Wallet in forthcoming iOS18 (to be released this fall). Here are the highlights in order of impact. 

1 – ApplePay in eCom

ApplePay will be supported in every browser. This will be a game changer and dramatically increase payment volume flowing through Apple wallet (and their platform). Just last week, the WSJ published a great piece on why retailers hate that consumers make large purchases on their computers. Apple will expand ApplePay to support all browsers AND provide a major upgrade in experience, security and fraud. 

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Fastlane and FIDO Enabled Checkout

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© Starpoint LLP, 2024. No part of this site, blog.starpointllp.com, may be reproduced or retransmitted, in whole or in part, in any manner without the permission of the copyright owner.

PayPal’s bulls are building a case that Fastlane will drive new growth. My perspective after talking with many of the large US eCom merchants, 

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PayPal Innovation Opportunity – “All In” on the Consumer

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I’m usually just a cynic. Today, I’m constructive with specific suggestions for PayPal’s new executive team. Note that about 80% of your large institutional investors will read this.. 

Exec Summary

  • Wallets are a core battlefield for Issuers, BigTech, marketplaces, and governments.

  • PayPal’s previous “super app” strategy failed because there was no clear consumer value proposition.

  • The most significant consumer value proposition to be unlocked is the unbundling of financial services, with the wallet providing the common UI to manage the complexity. In this future state, a “super wallet” would enable bank competition for every account and every transaction.

  • PayPal is well positioned to execute on a super wallet, but it must go ALL IN on a consumer-focused value proposition without regard for issuer relationships. 

  • For example, Curve is the best-in-class Wallet providing aggregation, transaction, loyalty and analytics across all account types, networks, POS, eCom, P2P and banking services. 

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