Even with lot of coming competition. We cannot just ignore PayPal payment gateway and it other services already a mature system that lots of ppl been using everyday. In my opinion if want to buyshare that expose to fintech and little bit of cryptcurt and still a business fundamentally good. PayPal is top pick.
AI existed in our daily life ages ago and recently AI usage in our daily software and daily activity increased. however AI had not just going to take off in our personal daily life it already started take parts in business and organisation activities and processes rapidly. Eg human resource processes and some other labour intensive processes in the business operation. For older generation of software engineer and architecture that follow the forefront of tech changes actually have no surprise at all to the word AI, OpenAI etc etc all this existed it all just recent yr put under magnifying glass as a topic in share market. Ride the train while still on full steam. It will eventually slowdown back to norm