Isto i Paypal ne verujem da je negde banka u smislu da ima dozvole za sve bankarske funkcije; verovatno ima samo za ono što njima i treba.
U nekim zemljama koje drze do sebe, firme kao sto je PayPal moraju biti banka.
http://en.wikipedia.org/wiki/PayPal#Bank_status
In the United States, PayPal is licensed as a money transmitter on a state-by-state basis.[citation needed] Although PayPal is not a bank, the company is still subject to many of the rules and regulations governing the financial industry including Regulation E consumer protections and the USA PATRIOT Act.[citation needed] However, on May 15, 2007, PayPal announced that it would move its European operations from the UK to Luxembourg, commencing July 2, 2007 as PayPal (Europe) S.à r.l. & Cie, S.C.A.[citation needed] This would be as a Luxembourg entity regulated as a bank by the Commission de Surveillance du Secteur Financier (CSSF), the Luxembourg equivalent of the FSA.[citation needed] PayPal Luxembourg will then provide the PayPal service throughout the European Union (EU).
U principu, to je pre svega zbog zastite gradjana - u EU moraju da posluju kao banka, sa osiguranim depozitima i sl..
Nadam se da ce i ostale zemlje van EU da prisile PayPal da posluje kao banka - jer oni to i jesu. Mislim, drze tudje pare, i to ne malo tudjih para - ako si merchant, moze biti da na PayPal "racunu" imas i po desetine hiljada EUR...
Sta ako PayPal pukne? So long & thx for all the fish :)
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