“When they started, you could transfer cash through PDA devices. They thought that they’d raise funding on that, and it’s just the way it was going to be. Then they got calls from eBay users saying, ‘Hey, I noticed your web version that you have as an example. We want that on eBay. We want to be able to accept money.’ Finally the founders of PayPal were like, ‘Oh, my God. This is how people are using it.’”