I don't think anything, I will tell you what I know. The PayPal app is complete trash. In the world of instantaneous how are you going to compete with cash apps that give you the ability to zap cash straight from your bank to the app. Your not 5 days to get money into PayPal so pathetic. How much longer has PayPal existed in cash app or venmo? Those apps make PayPal look like y'all just started yesterday. Also I would like to get into my debit card the app, haven't been able to for a weeks.