$PayPal(PYPL)$ I don't get why

$PayPal(PYPL)$ I don't get why people are bullish on PayPal. They say it is convinient and innovative with a well established brand. Then why havenot it boomed since its drop? For the past two years? And interest rates are not lowering so more people use credit or debit cards from banks, as so the rate of competition has also increased between two companies Visa and Mastercard.

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