<p>本次讨论集中在 PayPal（纳斯达克股票代码：PYPL）在新领导层下努力振兴业务和股票表现的努力。该公司在新冠疫情期间蓬勃发展，但随后陷入困境，现在正计划进军广告市场。利用其庞大的用户数据，PayPal 旨在为商家提供个性化的广告机会。这一举措是其通过人工智能驱动工具增强用户体验和参与度的更广泛战略的一部分。新任 CEO 亚历克斯·克里斯正在推动这些变革，包括聘请优步（纽约证券交易所股票代码：UBER）广告部门前负责人。讨论突出了 PayPal 通过这一新的收入来源实现增长的潜力。</p>
<p>https://247wallst.com/wp-content/uploads/2024/05/PayPal-Becomes-an-AI-and-Ad-Company.mp4</p>
<p><strong>文本：</strong></p>
<p>奥斯汀，PayPal 曾经备受青睐，也不可否认，在市场上表现不佳。</p>
<p>在新冠疫情期间飙升，但在成本结构臃肿、增长缓慢的情况下暴跌，但市场上始终充满希望，现在有一位新 CEO 掌舵，他们正在改变局面。</p>
<p>我想问你的是，PayPal 的故事是什么，他们甚至能否进入一些像人工智能这样有吸引力的市场吗？</p>
<p>是的。</p>
<p>你知道，这个很有趣。</p>
<p>正如你所说，PayPal 确实成为了新冠疫情的宠儿，但这是一家正在迎来新领导、试图为公司和股票注入新活力的公司。</p>
<p>他们正在做的一件事就是进军广告业务。</p>
<p>他们宣布将利用数百万用户的数据为商家提供个性化的广告机会。</p>
<p>这一举措非常重要，因为请记住，PayPal 还拥有 Venmo。</p>
<p>因此，这一举措是其通过各种人工智能驱动工具增强用户体验和商家参与度的更广泛战略的一部分。</p>
<p>我们几个月前看到了第一丝曙光，但效果不佳，但第二次尝试更有意义。</p>
<p>因此，CEO 亚历克斯·克里斯，前身为 Intuit，绝对是一个了解支付和支付行业的绅士。</p>
<p>他于 2023 年加入，他的第一个重要举措是宣布在整个结账体验中引入人工智能。</p>
<p>坦率地说，效果不佳，因为这并不是很具体。</p>
<p>很难理解这意味着什么。</p>
<p>你将加快结账体验，但 PayPal 的体验已经相当顺畅。</p>
<p>就像，还有什么可以做的呢？</p>
<p>但是现在当你说你将引入人工智能并为商家推出广告时，这个举措感觉好多了。</p>
<p>这是因为目前广告业务非常具体。</p>
<p>你可以用实打实的钱来衡量。</p>
<p>历史上，广告业务占国内生产总值的 2% 至 3%。</p>
<p>因此，这是一个非常大的蛋糕。</p>
<p>随着广告支出从其他更传统的媒体形式（如地面、印刷或直邮）转向数字媒体，其中定位和投资回报率更好。</p>
<p>因此，我们不仅看到这个非常稳定的国内生产总值的 2% 至 3%，这是一个非常大的蛋糕，我们还看到很多资金从传统媒体流向数字广告。</p>
<p>因此，这里有很多资金可以追求，他们已经请来了一位大人物来做这件事。</p>
<p>因此，他们请来了优步的广告部门前负责人来领导。</p>
<p>现在，优步是一家共享出行公司。</p>
<p>为什么要把他们引入广告业务？</p>
<p>但这很重要，因为优步本身也成为了一家广告公司，他们今年仅从广告业务中就有望实现 10 亿美元的收入。</p>
<p>因此，这是一家不仅仅有 PayPal 产品的公司。</p>
<p>他们为超过 4 亿客户处理交易。</p>
<p>而 Venmo，一直被称为 PayPal 的未充分实现价值的部门，现在给他们一个机会，利用这些数据更好地为广告定位。</p>
<p>所以我对这一举措感到非常兴奋。</p>
<p>我喜欢看到 PayPal 试图重新发明自己。</p>
<p>他们试图通过人工智能变得更精简是很好的，但他们也将着眼于利用这些广告机会获取额外收入，这真是太棒了。</p>
<p>你知道，奥斯汀，有一句话说，长期来看，每家科技公司最终都会成为一家广告公司。</p>
<p>我认为关于优步的观点非常棒，因为你可以看一下该公司的股票走势图，广告业务在近年来帮助他们取得了非常令人印象深刻的股价涨幅。</p>
<p>目前，PayPal 只需要开始重新加速业务。</p>
<p>因此，如果广告能成为一股助力，股票的上涨空间很大。</p>
<h2><strong>警报：立即参加这个退休问卷（赞助）</strong></h2>
<p>立即参加以下问卷，今天就能与理财顾问匹配。</p>
<p>每位顾问都经过 SmartAsset 的审核，并被要求遵守以您最佳利益行事的受托人标准。</p>
<p>操作步骤如下：</p>
<ol>
<li>
<p>回答 SmartAsset 顾问匹配问卷</p>
</li>
<li>
<p>自由查看您的预先筛选匹配项。查看顾问的个人资料。</p>
</li>
<li>
<p>与顾问免费交谈。通过电话进行介绍性通话或亲自介绍，并选择未来要与之合作的人</p>
</li>
</ol>
<p>立即参加退休问卷。</p>
<p>本文来源：24/7 Wall St..</p>

PYPL

<p>PayPal 正计划进军广告市场，利用其用户数据为商家提供个性化广告机会。此举是其通过 AI 工具增强用户体验和参与度的整体战略的一部分。该公司已聘请前 Uber 广告部门负责人领导这一倡议。这一新的收入来源有望帮助 PayPal 在新领导下重振业务和股票表现</p>

<p>The conversation focuses on PayPal’s (NASDAQ: PYPL) efforts to revitalize its business and stock performance under new leadership. The company, which thrived during the COVID-19 pandemic but struggled afterward, is now looking to enter the advertising market. Leveraging its vast user data, PayPal aims to offer personalized advertising opportunities for merchants. This move is part of a broader strategy to enhance user experience and engagement through AI-driven tools. The new CEO, Alex Chris, is steering these changes, including hiring the former head of Uber’s (NYSE: UBER) ad unit. The discussion highlights the potential for PayPal to grow through this new revenue stream.</p>
<div class="lb-trans"><p>本次讨论集中在 PayPal（纳斯达克股票代码：PYPL）在新领导层下努力振兴业务和股票表现的努力。该公司在新冠疫情期间蓬勃发展，但随后陷入困境，现在正计划进军广告市场。利用其庞大的用户数据，PayPal 旨在为商家提供个性化的广告机会。这一举措是其通过人工智能驱动工具增强用户体验和参与度的更广泛战略的一部分。新任 CEO 亚历克斯·克里斯正在推动这些变革，包括聘请优步（纽约证券交易所股票代码：UBER）广告部门前负责人。讨论突出了 PayPal 通过这一新的收入来源实现增长的潜力。</p>
</div><p>https://247wallst.com/wp-content/uploads/2024/05/PayPal-Becomes-an-AI-and-Ad-Company.mp4</p>
<div class="lb-trans"><p>https://247wallst.com/wp-content/uploads/2024/05/PayPal-Becomes-an-AI-and-Ad-Company.mp4</p>
</div><p><strong>Transcript:</strong></p>
<div class="lb-trans"><p><strong>文本：</strong></p>
</div><p>Austin, PayPal has been a darling, and let’s face it, a dog in the market.</p>
<div class="lb-trans"><p>奥斯汀，PayPal 曾经备受青睐，也不可否认，在市场上表现不佳。</p>
</div><p>It was soaring during COVID and crashing under a pretty bloated cost structure and slow growth, but hope springs eternal in the market and there is a new CEO at the helm and they’re shaking things up.</p>
<div class="lb-trans"><p>在新冠疫情期间飙升，但在成本结构臃肿、增长缓慢的情况下暴跌，但市场上始终充满希望，现在有一位新 CEO 掌舵，他们正在改变局面。</p>
</div><p>What I want to ask you is what is the story with PayPal and could they even get their storyline into some attractive markets like AI?</p>
<div class="lb-trans"><p>我想问你的是，PayPal 的故事是什么，他们甚至能否进入一些像人工智能这样有吸引力的市场吗？</p>
</div><p>Yeah.</p>
<div class="lb-trans"><p>是的。</p>
</div><p>You know, this one’s really interesting.</p>
<div class="lb-trans"><p>你知道，这个很有趣。</p>
</div><p>So PayPal, as you said, it really became a COVID darling, but this is a company that is now under new leadership, trying to inject some new life into the company and new life into the stock.</p>
<div class="lb-trans"><p>正如你所说，PayPal 确实成为了新冠疫情的宠儿，但这是一家正在迎来新领导、试图为公司和股票注入新活力的公司。</p>
</div><p>And one way they’re doing that is by entering the advertising business.</p>
<div class="lb-trans"><p>他们正在做的一件事就是进军广告业务。</p>
</div><p>And they announced that they’re going to be using data from its millions of users to offer personalized advertising opportunities for merchants.</p>
<div class="lb-trans"><p>他们宣布将利用数百万用户的数据为商家提供个性化的广告机会。</p>
</div><p>And this is really important because remember, PayPal also owns Venmo.</p>
<div class="lb-trans"><p>这一举措非常重要，因为请记住，PayPal 还拥有 Venmo。</p>
</div><p>So this move is part of a broader strategy to enhance user experience and merchant engagement through various AI-driven tools.</p>
<div class="lb-trans"><p>因此，这一举措是其通过各种人工智能驱动工具增强用户体验和商家参与度的更广泛战略的一部分。</p>
</div><p>And we saw the first glimmer of this a few months ago, and they sort of fell flat, but the second follow-on makes a little bit more sense.</p>
<div class="lb-trans"><p>我们几个月前看到了第一丝曙光，但效果不佳，但第二次尝试更有意义。</p>
</div><p>So CEO Alex Chris, formerly of Intuit, definitely a gentleman who understands all about payments and the payments industry.</p>
<div class="lb-trans"><p>因此，CEO 亚历克斯·克里斯，前身为 Intuit，绝对是一个了解支付和支付行业的绅士。</p>
</div><p>He joined in 2023 and his first big splash was an announcement to inject AI into the company all across the checkout experience.</p>
<div class="lb-trans"><p>他于 2023 年加入，他的第一个重要举措是宣布在整个结账体验中引入人工智能。</p>
</div><p>And frankly, it fell flat because it wasn’t really tangible.</p>
<div class="lb-trans"><p>坦率地说，效果不佳，因为这并不是很具体。</p>
</div><p>It’s hard to understand what that meant.</p>
<div class="lb-trans"><p>很难理解这意味着什么。</p>
</div><p>You’re going to accelerate the checkout experience, but the PayPal experience was already pretty smooth.</p>
<div class="lb-trans"><p>你将加快结账体验，但 PayPal 的体验已经相当顺畅。</p>
</div><p>It’s like, what else is left?</p>
<div class="lb-trans"><p>就像，还有什么可以做的呢？</p>
</div><p>But now when you say that you’re going to bring AI and introduce advertising for merchants, this one feels a lot better.</p>
<div class="lb-trans"><p>但是现在当你说你将引入人工智能并为商家推出广告时，这个举措感觉好多了。</p>
</div><p>And that’s because the ad business right now is very tangible.</p>
<div class="lb-trans"><p>这是因为目前广告业务非常具体。</p>
</div><p>You can put dollars and cents against it.</p>
<div class="lb-trans"><p>你可以用实打实的钱来衡量。</p>
</div><p>It has historically represented 2% to 3% of GDP.</p>
<div class="lb-trans"><p>历史上，广告业务占国内生产总值的 2% 至 3%。</p>
</div><p>So it’s a very, very big pie to go after.</p>
<div class="lb-trans"><p>因此，这是一个非常大的蛋糕。</p>
</div><p>And look, as we continue to see ad dollars move from other more traditional forms of media, be it terrestrial or print or direct mail, into digital where targeting and ROI is much better.</p>
<div class="lb-trans"><p>随着广告支出从其他更传统的媒体形式（如地面、印刷或直邮）转向数字媒体，其中定位和投资回报率更好。</p>
</div><p>So not only do we see this really consistent 2% to 3% of GDP, which is a really large pie to go after, we continue to see a lot of dollars flow from traditional to digital advertising.</p>
<div class="lb-trans"><p>因此，我们不仅看到这个非常稳定的国内生产总值的 2% 至 3%，这是一个非常大的蛋糕，我们还看到很多资金从传统媒体流向数字广告。</p>
</div><p>So there’s a lot of dollars that you can go after here and they’ve brought in a big gun to do it.</p>
<div class="lb-trans"><p>因此，这里有很多资金可以追求，他们已经请来了一位大人物来做这件事。</p>
</div><p>So they brought in the former ad unit or the former head of Uber’s ad unit to lead it.</p>
<div class="lb-trans"><p>因此，他们请来了优步的广告部门前负责人来领导。</p>
</div><p>Now, Uber, they’re a ride-sharing company.</p>
<div class="lb-trans"><p>现在，优步是一家共享出行公司。</p>
</div><p>Why would you bring them into an advertising business?</p>
<div class="lb-trans"><p>为什么要把他们引入广告业务？</p>
</div><p>But that matters because Uber themselves have also become an advertising company and they’re targeting one billion in revenue from advertising alone this year.</p>
<div class="lb-trans"><p>但这很重要，因为优步本身也成为了一家广告公司，他们今年仅从广告业务中就有望实现 10 亿美元的收入。</p>
</div><p>So this is a company that has just they have a lot more than their namesake PayPal product.</p>
<div class="lb-trans"><p>因此，这是一家不仅仅有 PayPal 产品的公司。</p>
</div><p>They handle transactions for over 400 million customers.</p>
<div class="lb-trans"><p>他们为超过 4 亿客户处理交易。</p>
</div><p>And Venmo, which has largely been called an under-monetized division of PayPal, this now gives them a chance to mobilize that data for better targeting for advertising.</p>
<div class="lb-trans"><p>而 Venmo，一直被称为 PayPal 的未充分实现价值的部门，现在给他们一个机会，利用这些数据更好地为广告定位。</p>
</div><p>So I’m actually really excited by this move.</p>
<div class="lb-trans"><p>所以我对这一举措感到非常兴奋。</p>
</div><p>I like to see PayPal trying to reinvent themselves.</p>
<div class="lb-trans"><p>我喜欢看到 PayPal 试图重新发明自己。</p>
</div><p>It’s great that they’re trying to get lean with AI, but it’s really wonderful that they’re also going to look at going after additional revenue with some of these advertising opportunities.</p>
<div class="lb-trans"><p>他们试图通过人工智能变得更精简是很好的，但他们也将着眼于利用这些广告机会获取额外收入，这真是太棒了。</p>
</div><p>You know, Austin, there’s a saying that over a long enough timeframe, every technology company just becomes an advertising company.</p>
<div class="lb-trans"><p>你知道，奥斯汀，有一句话说，长期来看，每家科技公司最终都会成为一家广告公司。</p>
</div><p>And I think the point about Uber is really great because you can look at a stock chart for that company and how much the advertising business has helped lead them to really impressive share gains in recent years.</p>
<div class="lb-trans"><p>我认为关于优步的观点非常棒，因为你可以看一下该公司的股票走势图，广告业务在近年来帮助他们取得了非常令人印象深刻的股价涨幅。</p>
</div><p>With PayPal right now, they just need to begin kind of reaccelerating their business.</p>
<div class="lb-trans"><p>目前，PayPal 只需要开始重新加速业务。</p>
</div><p>So if advertising can present a tailwind there, there’s a lot of upside in the stock.</p>
<div class="lb-trans"><p>因此，如果广告能成为一股助力，股票的上涨空间很大。</p>
</div><h2><strong>ALERT: Take This Retirement Quiz Now (Sponsored)</strong></h2>
<div class="lb-trans"><h2><strong>警报：立即参加这个退休问卷（赞助）</strong></h2>
</div><p>Take the quiz below to get matched with a financial advisor today.</p>
<div class="lb-trans"><p>立即参加以下问卷，今天就能与理财顾问匹配。</p>
</div><p>Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.</p>
<div class="lb-trans"><p>每位顾问都经过 SmartAsset 的审核，并被要求遵守以您最佳利益行事的受托人标准。</p>
</div><p>Here’s how it works:</p>
<p>1. Answer SmartAsset advisor match quiz</p>
<p>2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.</p>
<p>3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future</p>
<div class="lb-trans"><p>操作步骤如下：</p>
<ol>
<li>
<p>回答 SmartAsset 顾问匹配问卷</p>
</li>
<li>
<p>自由查看您的预先筛选匹配项。查看顾问的个人资料。</p>
</li>
<li>
<p>与顾问免费交谈。通过电话进行介绍性通话或亲自介绍，并选择未来要与之合作的人</p>
</li>
</ol>
</div><p>Take the retirement quiz right here.</p>
<div class="lb-trans"><p>立即参加退休问卷。</p>
</div><p>The post PayPal Becomes an AI, and Ad Company appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>本文来源：24/7 Wall St..</p>
</div>

PayPal 成为一家人工智能和广告公司