PayPal

            PayPal is an e-commerce company that provides online payment methods that are easy and safe. The company's online platform allows users to pay in different methods, including through bank accounts and credit cards, without sharing one's financial data. The company has grown into a global leader in online payment services with more than 300 million accounts globally. It caters for more than 20 different currencies and is available in more than 200 countries, thus allowing international e-commerce by making transactions possible across various locations, languages, and currencies. The organization's business model could be described as two-sided and fintech. On one side, there are clients, users, most people, who make payments via the platform, and on the other side, there are organizations that use the services to make safe and transparent transactions.

            The company's business model has various elements. There is the consumer segment which is divided into merchants and customers. Merchants are organizations and businesses that accept online and offline transactions, whereas customers buy goods and services and receive money. The company's value proposition is security, convenience, and a strong brand with a global presence. The main channel is its online platform. Additionally, there is a mobile application. The company staff members do not always interact with consumers since it is self-service. It has more than 8,000 employees. The buyers and sellers are provided with protection programs that promote confidence and satisfaction in both consumers. Key activities revolve around merchants, consumers, and banks. Its major resources are the technology platform, human resources, and bank capital. Major partners include software developers, payment processors, and banks. The company's cost structure is cost-driven. Its largest expense is the transaction costs. Additionally, there are consumer support, marketing and sales, general costs, product research and development, and operations.

            PayPal's revenue stream is categorized into two; transaction earnings and value-added services. Transaction earnings come from transaction fees charged to consumers and merchants based on the amount of activity or payment volume. Value-added services are earned through subscription fees, partnerships, and gateway fees. Money generated from fees and interests accrued by the consumers and merchants' loans portfolio and those earned on specific consumer balances are also categorized as value-added services.