Tag Archives: paypal

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

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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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PayPal’s Shock to the world

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Short Blog. I’m sorry for the delay on part 2 of the Govenance models for identity. I’m on my 14th update.. Will get out soon.

In the news today. PayPal’s Alex Chriss said ““There hasn’t been a lot to celebrate over the last few years. Innovation has been slow,” Chriss responded. “I love being an underdog. I will take all of that feedback and we’ll shock the world.”.

PR Today

https://investor.pypl.com/news-and-events/news-details/2024/PayPal-and-Venmo-Unveil-Six-New-Innovations-to-Revolutionize-Commerce/default.aspx

Shock is the right word.. Just not what Alex was hoping for as the stock dove 5% immediately after the announcement. IMHO the market reaction is spot on. I’ve spent 15 yrs in retailer data, offers, wallets and etc, founding Commerce Signals (now part of Transunion).

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Visa Launches Visa+ with PayPal as Anchor

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Short Blog

https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.19621.html

Today Visa announced a major expansion of Visa Direct called Visa +, with PayPal as the anchor launch partner. “help individuals move money quickly and securely between different person-to-person (P2P) digital payment apps” without requiring the recipient to have a Visa card.

Visa+ expands Visa’s role as the meta-directory of payments connecting consumers, wallets and accounts with a master “payname”. If I were to write the marketing one-liner for Visa+ it would be “pay people in the way they want to be paid”. 

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MRC Recap – Looking up – A Retailers Perspective On Payments

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I’m glad I made the decision to attend my very first Merchant Risk Council event this week. For those that don’t know, MRC Vegas is the second largest payment event in the US (after M2020) but with a VERY different focus. MRC is attended by the “hands on” payment leaders from all the top merchants and the vendors that serve them: Stripe, Adyen, PayPal, V, MA, risk, fraud,  …. Etc. Whereas M2020 is attended by FinTech, Crypto, Venture, Institutional investor, and strategy audiences, MRC is much more focused on making payments work. 

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