PayPal is struggling to find relevance in today's world amidst all the competition emerging. The value proposition was clear years ago when it acted as the middle man between unknown internet merchants and unidentified customers. Today, that is table stakes and the company is plagued with legacy systems that do not allow it to move as fast into new markets and, worse, create a sub-par user experience. Add to that the managements hesitation to explore new opportunities and you have a company that has gone from a leader in FinTech to one that may become irrelevant in a space that it helped pioneer.