Jim Magats, PayPal's senior vice president of payments and SMB solutions, says that since joining the company in 2004, he's heard PayPal's demise predicted many times -- when Apple Pay came out in 2014, when PayPal was banned in Greece in 2015, and again that year when the company ended a 13-year alliance with eBay. But it wasn't until 2016, when credit card firms got fed up with PayPal discouraging users from linking their plastic to complete transactions, that Magats -- along with CEO Dan Schulman, former CCO Gary Marino, and former COO Bill Ready -- found an unbeatable enemy.

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