Two important payment innovations that we have studied in this course are PayPal in its early years and the introduction of signature debit cards. For these two innovations, answer each question below,

A. What circumstances or actions by the innovator(s) made it easier for the innovations to gain traction and succeed? How did these favorable factors compare for the two innovations?

B. What circumstances or actions by the innovator(s) made it harder for the innovations to gain traction and succeed? How did these unfavorable factors compare for the two innovations?

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