What is your ultimate goal at PayPal?\u00a0\n\n\nWe want to be central and transformative to our customers\u2019 lives. And when we talk about our customers, we\u2019re unique in that we serve consumers and merchants. When it comes to consumers, that means being a central and active part of consumer\u2019s financial lives \u2013 from 2-3 times a month to 2-3 times a week, or even more.\n\n\nFor merchants, that means shifting from a button on a site that enables purchasing to being a platform that merchants can build on.\u00a0\n\n\nHow has PayPal\u2019s vision shifted as the world has become more mobile?\n\n\nWe\u2019ve embraced this for many years, but the acceleration of mobile and penetration in the markets we serve has\u2026 been exponentially growing. On the consumer side, it is speeding up this transition from cash to digital. Truly digital transactions are a relatively small percentage, but the growth is tremendous.\n\n\nFor merchants, it makes it even more important for PayPal to be looked at as a platform \u2013 it is purchasing wherever or whenever it is convenient to them. It opens up a huge range of possibilities.\n\n\nWhat new challenges do CIOs face today that they didn\u2019t in the past?\u00a0\n\n\nIt depends on the company. Technology has been transforming companies for decades, but where in the past it may have been a change to a department or a division, it is now important enough to change their entire business model. It was a subset of industries, but now it is most industries.\n\n\nPayPal was born digital, so we\u2019re in a different place on that spectrum. What is common is an exponential pace of change. No matter where you are on that spectrum as far as technology changing your business, the opportunities for disruption are happening at a much faster pace.\n\n\nHow are consumers redefining PayPal\u2019s mission?\n\n\nWe\u2019ve got 192 million active customer accounts worldwide, and we\u2019re increasingly trying to show up as a customer champion. Most recently, we announced partnerships with Visa and MasterCard to allow consumers to choose their \u00a0payment method.. If we\u2019re going to be a platform, then we\u2019ll have to take a serious look at the long-standing decisions we\u2019ve made along the way.\n\n\nFor merchants, we\u2019ve got 15 million active merchant accounts worldwide and their needs differ from small businesses to big corporations. We are constantly making it easier for them to integrate the PayPal platform through their business.\n\n\nWhat big CIO issue today will be completely solved in five years?\n\n\nTough question. There are always new problems out there. While it is innovative and great to find new solutions, I think it\u2019s better to look for the next innovative problem. It is the problem that people don\u2019t recognize that is often the most valuable.