Papin Paronikyan

In 2025, PayPal reported a consistent year-to-year 10% growth in P2P and other consumer total payment volume. The company followed up on the insight and introduced PayPal links, which allow users to send and receive money via a personalized, one-time link that can be shared in any conversation. In our experience, such technologies that make transactions seamless and instant often...

45.3% of respondents use digital tools to manage their finances, according to a recent AcademyBank survey. In another study, 60% of respondents cite feature gaps in their main finance app, and 80% feel at least occasional frustration. The numbers show a positive competitive environment for FinTech businesses: demand for personal finance apps is present, and chances to gain a competitive...