Imagine if you had to pay upfront to take clothes into a fitting room.
This is largely because the credit card, an archaic 1950s invention, was never designed to support the online use case. That's why we've chosen to innovate on the global payments network to achieve our mission.
For some categories, mostly homogenous goods, technology has brought value and efficiencies beyond our wildest dreams. For other categories like fashion, electronics, home goods and many others, shopping can be an intensely emotional decision and thus requires a sufficiently human touch.