$PayPal(PYPL)$ If you like lenders, PYPL indeed does fall outside of the spectrum. In that space, it's still more of a payments tech company, and less of a lender, although it's making inroads into BNPL. While that space is popular, it's nascent, and likely facing more regulatory headwinds. Also, it's hard to build a moat there. Apple Pay is a signfiicant threat to PYPL, and it appears that its installed base is a significant moat. PYPL is pushing for more "one-click checkout" to facilitate the conversion process, and improve the stickiness with its merchants and consumers. Payments is a game of scale.
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