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PayPal Holdings Inc. (PYPL) is set to integrate its wallet and payment technology into ChatGPT’s “Instant Checkout” experience starting in 2026. This collaboration with OpenAI will enable users to complete purchases directly within the chatbot, streamlining the checkout process. Currently, PayPal is featured in digital wallets of around 80% of the top 1,500 retailers in North America and Europe.
Despite concerns about its growth, analysts project that PayPal’s revenues will grow by 19% and its profits by 31% over the next three years. The San Jose, California-based company has been enhancing its operations by incorporating AI for fraud detection and transaction approval.
PayPal’s market valuation is currently more aligned with that of a zero-growth merchant bank rather than a fintech platform, a situation that analysts consider exaggerated. The integration with AI technologies might significantly impact its growth trajectory, potentially leading to annualized growth rates if agentic commerce takes off.
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