FinTech R&D
Shaping the Future of Money in collaboration with top local universities


Here at PayPal, we believe in using science and technology as an enabler for serving business needs, and shaping the Future of Money. PayPal Innovation Lab collaborates with Institutes of Higher Learning to nurture the next generation of Singapore’s FinTech research and technology talents. The students gain access to PayPal’s greatest minds, resources, and experience, while developing technologies and know-how for tomorrow’s FinTech industry.

We strive to perform game-changing FinTech research with Computer Science, Computer Engineering, and Information Systems experts to bring about the Future of Money.

Consumer Financial Services
Information Security
Payments Infrastructure
Risk & Compliance
Digital Payments
Customer Service

Current Research Projects

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Allowing smart devices to recognise its users by being acquainted with his/her behaviours, thereby eliminating the need for passwords and user input.
Predicting the queries and problems a customer has when he/she enters the Help page, and renders assistance and solutions, thus eliminating the need to go through irrelevant help topics for answers or waiting on the line for someone to attend to him/her.
Detecting fraud through the reinforcement of security of mobile devices used to carry out digital payments, preventing adversaries from stealing accounts or making fraudulent transactions through security loopholes introduced by phishing, malwares and spywares.
Leveraging data science techniques to obtain non-obvious insights of closed-loop payment networks by measuring the value, strength, and health of the networks to uncover new or untapped potential in the communities, allowing more targeted services to be rendered.
Tapping on the wealth of information that marketplaces, online blogs and forums, and other social media platform brings to provide a novel credit risk scoring for small and medium businesses that have little access to working capital loans due to the lack of transactional data.
Harnessing the potential of blockchain to do things faster and at a fraction of the cost. Customer registration processes may be shortened, opening more doors to services that are difficult to access now and eliminating the hassle of onboarding.
Developing real-time, adaptive machine learning based detection framework that catches sophisticated digital gift card fraud to reduce transaction misclassification, lower financial losses and meet compliance requirements.
Designing a smart financial goal setting feature that uses novel data science technique to draw insights from user’s past consumption patterns, and make customized recommendations so as to better help the underbanked manage their personal finances and achieve their saving goals.
Evaluating the many ways to leverage the latest Transport Layer Security standard into PayPal data centres to improve connection security while maintaining traffic insight (joint collaboration between the PayPal Innovation Lab and PayPal Advanced Security Lab).

Our Collaborators

NTU: Nanyang Technological University
SMU: Singapore Management University
NUS: National University of Singapore - School of Computing
NUS: National University of Singapore - Institute of Systems Science
SUTD: Singapore University of Technology and Design

Our Testimonials

Students' Testimonials

Research & Development

Research & Development
Interested in research partnerships? Contact us to find out more.