Group 1 - PayPal is focusing on expanding its omnichannel sales strategy by encouraging consumers to use its payment service for everyday purchases both online and in physical stores [3][7] - The company is enhancing its installment lending offerings, including a new push into physical retail environments, as part of its omnichannel strategy [4][7] - In 2022, PayPal reported approximately $33 billion in buy now, pay later (BNPL) payment volume, reflecting a 21% increase compared to 2021 [5] Group 2 - The BNPL service is still in its early stages for physical stores, but it is a key focus area for many players in the industry [5] - PayPal is targeting younger consumers who prefer debit cards and are focused on cash flow management, promoting BNPL as a tool for effective cash flow planning [6] - The company is offering a 5% cash credit on BNPL purchases through the end of the year to attract more shoppers and reduce cart abandonment during the holiday season [7]