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PYPL PAYPAL HOLDINGS INC $44.7B
No. Fraud prevention is a list in a risk factor. No program, no result.
5 of 15
Reach, Weight, and Proof.
What they are doing
PayPal's 2025 annual report says it uses artificial intelligence and machine learning in fraud prevention, risk management, product optimization, and customer service. That sentence sits in a regulation risk factor. No program is named, and no result is given. The same filing says PayPal wants shoppers to be able to pay through AI agents. That is a checkout surface, not a score inside authorization or fraud. The reported transaction-loss rate is not tied to a model.
Why the score
- Reach 1 not 2: the uses are a list, not one function we can see running.
- Weight 2 not 3: named fraud prevention, with no project and no result. Agent checkout does not change the payment decision.
- Proof 2 not 3: named in the 10-K and tied to fraud prevention. Not in the loop.
What would move it next quarter: A named fraud or authorization program with a result. The loss rate will not count until they tie it to the model.
Open these first
Evidence
PayPal says it uses AI and machine learning in fraud prevention, risk management, product optimization, and customer service. The sentence is in the artificial-intelligence regulation risk factor. No program and no result are named.