How much new can they do as Paypal? The company has a horrific public image (due to the reasons I listed) and has arguably been getting outmaneuvered innovation-wise in the payment processing business for many years now. The company is a giant just waiting to be toppeled.

Disclaimer: I may very well look back in 10 years and feel like a fool for the above opinion, but my current experiences have me pretty self-assured.