A really great interview from a current Account Executive at...

A really great interview from a current Account Executive at Stripe. Talking about $Adyen N.V. Unsponsored ADR (ADYEY.US)$ and $PayPal (PYPL.US)$ . Must read for Fintech investors:
- In his opinion, $ADYEY is very efficient and good at high touch sales cycle, especially with enterprises and, more specifically, with omnichannel retail (luxury brands)
- Thinks Braintree had a better trajectory before $PYPL acquired them. Thinks $PYPL 's over-focus on its wallet business is hurting Braintree prospects.
- The cost of card payments is being commoditized. Also, price competition is increasing. A big trend that contributes to the pricing pressure is multiprocessors. Big companies that have high-frequency small payments are pitting two or three companies in the payment space to compete with each other.
- Shares his view on $ADYEY 's compensation strategy for its employees. Thinks $ADYEY is more focused on growing young talent from the ground up than focusing on getting seasoned talent with a different comp structure.