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But he's now seeing that mobile payments can enable new capabilities, like choosing to use rewards points at the point-of-sale , splitting a purchase between payment methods like rewards, a debit card, and a credit card, and mobile order-ahead. PayPal's in-store efforts will come from both PayPal and Venmo and could help address the limitations of their businesses. PayPal could better reach the bulk of retail sales and strengthen its ecosystem to drive more usage. E-commerce accounted for just 10.1% of US retail sales in Q2 2019, per from the US Census Bureau, so even though online retail is growing increasingly popular — it made up an estimated 9.2% of US sales in Q2 2018 — the vast majority of retail sales still occur offline.
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