“Our passwordless login improved by 10 full points last year. We intend to grow that again this year, whether that be through pass keys or other ID or forms of biometrics.”

In context

“zed merchant puts PayPal on their website. They see a 44% conversion lift by doing that. So these are really strong advantages that we're going to leverage going forward. But obviously, there's a ton of stuff we can still do, right? We're optimizing presentment. We're making sure that our best-in-class integrations are out there, whether that comes through our branded checkout, whether that comes through the new SDKs and APIs that we have, whether that comes through PPCP, going into channel partners. So - because we know when we have our best-in-class integrations, we either have stable share or growing share of checkout. Our availability, as I mentioned, is closing in our 5 9s of latency, improved it by 40%. We'll improve it up to 50% better, makes a giant difference in conversion rates. Our passwordless login improved by 10 full points last year. We intend to grow that again this year, whether that be through pass keys or other ID or forms of biometrics. Buy Now, Pay Later, we're taking share there, and we are intending to continue to take share there. Our auth rates are higher, we think, than anyone else is because we know the customers coming in -- over 90% of the customers coming in to Buy Now, Pay Later are already PayPal, customers that's why we think we also have the lowest loss rates. And we know - somebody mentioned flight to quality - that people are coming to PayPal and our Buy Now, Pay Later services. And we are targeting all of the largest merchants. We know when our competitors contracts are up, and we are going after that business because we see a clear shift in market share as well as spend when we have Buy Now, Pay Later in our checkout flows. And obviously, we're now full GA on our mobile checkout with our SDKs and APIs.”