Since its inception in 1999, PayPal has had a front-row seat in witnessing the monumental transformation in the digital payments space.

Raking in over US$15.4 billion in revenue in the last financial year, PayPal exceeded the US$100 billion mark in total payment volumes in 2017. A tête-à-tête with the man spearheading technology at PayPal, Sri Shivananda, SVP and CTO, throws light on the tech innovations that take center stage in the digital payments space, the impact of IoT, and the evolution of RegTech as an industry.

Edited excerpts

Sri, could you run us through some of the trends in the digital payments space – both from a consumer as well as from a merchant point of view?

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