More shoppers are open to using Buy Now, Pay Later loans, especially as the holiday gift-buying season approaches and as shoppers are more worried about rising prices and financial stress, according to a new survey by PayPal. USA TODAY got an exclusive first look at the survey. As the calendar starts to turn to the holidays, 60% of participants said they were feeling more financial stress in a survey by Talker Research for PayPal. The survey also showed that "about 80% of shoppers who have used or consid ...

Customers have more ways to earn rewards when they pay over time for purchases in-store and online "Our customers seek payment options that make holiday shopping easier and more rewarding," said Michelle Gill, General Manager, Small Business and Financial Services at PayPal. "With cash back on Buy Now Pay Later products, we're giving them a smarter way to pay and more flexibility to shop the way they want. And for merchants, PayPal BNPL is a proven way to attract more shoppers and increase conversion during ...

Group 1 - PayPal is considered one of the most undervalued financial stocks according to Wall Street analysts, with a recent partnership with Spark aimed at increasing PYUSD deposits from $100 million to $1 billion [1] - The integration of PYUSD, a U.S. dollar-pegged stablecoin, into SparkLend allows users to supply and borrow the asset, supported by Spark's $8 billion stablecoin reserve, facilitating predictable liquidity [2] - The collaboration comes at a time of increased stablecoin activity, with global supply rising by $30 billion to $263 billion and daily volumes exceeding $100 billion, positioning PYUSD for rapid scaling [3] Group 2 - PayPal operates a global two-sided network for digital payments, enabling consumers and merchants to send, receive, and process payments through various platforms, including PayPal, Venmo, Braintree, Xoom, and Honey [4]

Core Insights - PayPal has embraced cryptocurrency by enabling crypto purchases, offering digital wallets, and launching its own stablecoin, PYUSD, which recently surpassed a $1 billion market cap after partnering with Spark [1][2]. Group 1: Stablecoin Market Dynamics - PYUSD's market cap has increased by over 100% in the past year, indicating a growing demand for stablecoins as investors seek to benefit from crypto without volatility [2]. - PYUSD is currently the ninth largest stablecoin by market cap, reflecting its rising prominence in the market [2]. Group 2: Partnership with Spark - The partnership with Spark enhances PayPal's ability to issue stablecoins effectively, positioning it as a leader in the stablecoin industry while validating Spark's business model [3]. - Spark provides stablecoin infrastructure and liquidity, which benefits both companies by boosting demand for stablecoin solutions [3]. Group 3: Competitive Landscape - PayPal's entry into decentralized finance allows it to compete with other fintech firms like Visa and Mastercard, which are also partnering with crypto companies [4]. - The use of stablecoins can disrupt traditional finance by eliminating middlemen, leading to lower transaction costs for merchants [4][6]. Group 4: Strategic Advantages - Stablecoins can help PayPal maintain its market leadership and enhance customer engagement, particularly among the next generation of consumers [5]. - By adopting stablecoins, PayPal positions itself to capitalize on the next major financial trend, avoiding the fate of companies that failed to adapt to technological changes [7].

Stablecoin Market & Adoption - PayPal's PYUSD circulating supply surged 113% month-over-month, reaching a record $254 billion [1] - PYUSD now settles more than $6 billion in weekly transfers [1] - PayPal's integration with Sparkdotfi has driven growth, with the protocol managing $485 million in PYUSD deposits and $237 million in active loans [1] Blockchain Distribution - PYUSD supply more than doubled on both Ethereum ($184 billion) and Solana ($624 million) since September [1]

Diane King Hall is with us and we're taking a look at a few of the movers and we'll start off with Alibaba which has already had an incredible run this month. Right. Tell me a little bit about today's story.>> I mean it's adding a little bit to the gains that we've seen so far this month and year to date higher by a half of a percent. We're talking about the ADR here. You've got uh an upgrade here.Another group becoming more bullish on this one. That's Earth Growth. They've upgraded shares to a buy from a h ...

The most talked about and market moving research calls around Wall Street are now in one place. Here are today's research calls that investors need to know, as compiled by The Fly.Top 5 Upgrades: Rothschild & Co Redburn upgraded Coinbase (COIN) to Buy from Neutral with a price target of $417, up from $325. The firm still expects compression in the company's take rate over time, but believes its retail volume growth will help to mitigate this.Wells Fargo upgraded Johnson & Johnson (JNJ) to Overweight from E ...

Core Insights - The individual has extensive experience in risk management and financial analysis, with a strong educational background including an MSc in Applied Risk Management [1] - The focus areas include risk management, financial analysis, data science, and the influence of economic factors on financial markets [1] - The motivation for writing is to provide actionable insights for investors by translating complex financial data [1] Group 1 - The individual has worked in various roles across leading firms such as EY, PwC, Alpha Bank, and the National Bank of Greece [1] - Expertise includes data analysis using SQL, Python, and machine learning tools [1] - The aim is to write on topics related to risk assessment, financial modeling, and stock analysis [1] Group 2 - The approach to investing emphasizes data-driven analysis and long-term value creation [1] - The individual seeks to support informed decision-making through analysis of market trends and risk management practices [1]

Key insight: Fintechs are paying more attention to cross-border payments.Look forward: PayPal is bullish on payments opportunities in EMEA. What's at stake: Cash continues to dwindle in the U.K., due to accelerating digital wallet growth. Swift has formed a consortium to build a distributed ledger to support real-time international payments, as well as accommodate the rise of digital assets. The international messaging standards board is working with financial technology firm Consensys on a prototype for th ...

This ad is not brand new, but several readers have been asking about it and I haven’t looked into the story before… so we’ll dig in today.  Here’s the lead-in from Jeff Brown:“Bretton Woods was the agreement that established the U.S. dollar as the number one global reserve currency.“America would not have become an economic superpower without that agreement.“And now, more than 80 years later…“President Trump is giving us essentially a new Bretton Woods.“But there’s a big difference this time.“The original B ...