$Paypal(PYPL.US)Key improvement directions for 2026: Experience, Presentment, and Selection

1) Experience: When consumers have a frictionless experience, they engage more deeply and frequently;

2) Presentment: When our products are prominently featured upstream at the point of purchase, consumers are more likely to choose us;

3) Selection: When rewarded through loyalty, marketing, and other incentives, users develop habitual usage.

In terms of experience, we need to ensure a frictionless consumer experience through the adoption of biometrics and passkeys, and encourage merchants to upgrade to our target experience.

In terms of presentment, we need competitive positioning, including upstream BNPL information and secondary payment buttons.

In terms of selection, we must provide attractive consumer incentives through rewards, joint marketing agreements, and other means.