1200 ET - 根据会计和咨询公司Wipfli的金融服务分析师Anna Kooi的说法，PayPal申请设立PayPal银行的牌照表明，传统的银行与金融科技公司的合作模式已经失效。Kooi表示，建立银行将使PayPal摆脱与银行合作的依赖。银行牌照对像PayPal这样的金融科技公司具有吸引力，因为它们能够提供更低的融资成本，并使公司能够更好地控制产品交付和客户数据。她指出：“PayPal正在表明，规模较大的金融科技公司不再希望租借银行的资产负债表或合规框架；它们希望拥有这些资源。”(katherine.hamilton@wsj.com)
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