: Concerns over "data mining" and how these platforms use consumer data to encourage incremental sales.
The CFPB and other regulators have highlighted several "industry risks" associated with companies like PayPal and Zip: PAYPAL.zip
: By 2025, BNPL is projected to account for 9% of North American e-commerce purchase value, up from 4% in 2021. : Concerns over "data mining" and how these
: Risks of consumers taking on debt they cannot repay, leading to "loan stacking" across multiple platforms. PAYPAL.zip
Recent reports from April 2026 indicate that PayPal is facing increased competition and a maturing industry, with its stock price dropping significantly from its 2021 peak.