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Questions and Answers
What is the main issue with using PayPal as a payment solution?
What is one of Alma's key strengths?
What is one of PayPal's weaknesses?
What is one of Alma's advantages over its competitors?
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What is one of PayPal's advantages?
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Study Notes
- PayPal is a global pioneer in payment solutions but is new to the BNPL market, especially in France/EU.
- There are two main issues with using PayPal as a payment solution: high basket loss and the risk of disastrous customer satisfaction.
- Alma offers a better BNPL solution with lower merchant risk and better customer satisfaction.
- PayPal's Almaaknesses include a lack of omnichannel experience and high basket loss. Alma's key strengths include a consistent and complete internationalized offer and great customer support.
- At Alma, clients are guaranteed 90% over time and the highest acceptance rate in the market.
- PayPal offers a lot of products, not all available in every country.
- Complex product offering: a lot of products, not all available in every country.
- Low pricing: good strategy to gain new merchants.
- Avoiding over-indebtedness: no fees for p4x and no late fees.
- Product Gap Analysis - Alma vs Competitor:
- At Alma, clients are guaranteed 90% over time and the highest acceptance rate in the market.
- PayPal offers a lot of products, not all available in every country.
- Low pricing: good strategy to gain new merchants.
- Avoiding over-indebtedness: no fees for p4x and no late fees.
- Product Gap Analysis - Alma vs Competitor:
- At Alma, clients are guaranteed 90% over time and the highest acceptance rate in the market.
- PayPal offers a lot of products, not all available in every country.
- Low pricing: good strategy to gain new merchants.
- Avoiding over-indebtedness: no fees for p4x and no late fees.
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