News broke this morning that PayPal will spin off from eBay into a separate publicly traded company, ending a 12-year union between the online merchant and the payments processor. At the most basic level this creates two simpler, more focused companies — but the real impetus for an independent PayPal is more likely the rapidly maturing ecosystem of digital wallets and mobile payments, especially Apple Pay, which threatens to eat PayPal’s business from the inside out.
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