贝宝PayPal（PYPL） 2022年年度报告「NASDAQ」（英文版）（276页）.pdf

1、PayPal funded certified carbon credit projects to compensate for the climate impact of this publication.2023 Notice of Annual Meeting of Stockholders and Proxy Statement2022 Annual Report Power all aspects of digital checkout online and in store Provide access to seamless credit solutions to enable

2、growth Protect against fraud and improve risk managementOffer tools and insights to attract new customers and increase salesHelp people manage and move money domestically and internationallyOffer credit and installment pay services that are accessible and cost effectiveFacilitate simple,secure payme

3、nts across devicesDeliver flexibility with payment options globally,across platforms and merchants CheckoutProcessingDigital WalletsMerchant ServicesConsumer Financial ServicesSavingsGivingCryptoShopping and RewardsRewardsDealsLoyalty2022 Key Performance MetricsGrowing Payment Volume:$1.36 Trillion

4、of Total Payment VolumeIncreasing Activity:22.3 Billion Payment TransactionsExpanding Network Scale:Active Accounts of 435 Million9%from 202116%from 20212%from 2021Risk Management and Fraud ProtectionMerchantsConsumersOur Two-sided Platform Serves Merchants and ConsumersOur Payment SolutionsPayoutsB

5、ill PayCredit and Debit CardsMessage from Our President and CEODear Colleagues,Customers,Partners and Stockholders:In 2022,PayPal continued to navigate a global macroeconomic environment marked by high levels of disruption anduncertainty.A slowing economy,inflation and geopolitical unrest put signif

6、icant pressure on both consumers andbusinesses around the world.Despite this backdrop,we again rose to every challenge and opportunity presented over thepast year,and I could not be prouder of our team s work.We have taken many essential steps to right-size our cost structure,streamline our operatin