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Paypal - Coggle Diagram
Paypal
Common Goals
better ways to manage and move money, and offers choice and flexibility when sending payments
democratizing and transforming financial services
We believe every person has the right to participate fully in the global economy.
job posting
Skills
Related Experience
designing and executing a scalable platform
Passion
Competitors
Google Wallet
Google wallet card
withdraw money from ATM
Google pay
Wepay
customizable payment solution through its APIs
crowdfunding sites
Intuit
tax preparation application
TurboTax
personal finance app
Mint
the small business accounting program
QuickBooks
Profile
Available in more than 200 markets
325 million active account holders
PayPal platform
Braintree
Venmo
Xoom
Product/Feature
PayPal’s Checkout products
buy now , pay later
使用後支付的理由
後支付的分期或延後功能，使自己可以負擔原本負擔不起的消費
後支付避免了原本信用卡消費可能帶來的循環利息。
多數 BNPL 交易分期不收費用，滯納金也比信用卡循環利息來得低，有些甚至不收滯納金
BNPL 違約或遲繳付出的代價不會像使用信用卡這麼高。
後支付消費可以減少信用查詢次數
方便的分期功能與相對透明的費用結構
Afterpay、Affirm 或是 Klarna 的費率就都很透明直接，不會讓客戶陷入卡債滾雪球那種負擔不起的債務
有些人因為職業或是本身信用不好的關係，所以無法取得信用卡，BNPL 可以讓他們繞過信用卡這關，直接使用後支付服務。
收入
用戶收費：消費者每筆費用遲繳的滯納金
即使不收利息， Afterpay 仍會收取來自用戶的遲繳費用，約佔總收益的 14%。
合作商家收費：每筆交易抽成
Company’s recent success stories
Taking action for racial equity and social
justice
In Jun 2020, we announced a $535 million commitment to support Black and
underserved communities and businesses, as well as invest in diversity and inclusion at PayPal.
Shared Values