Michelle Gill

Executive Vice President and GM of Small Business & Financial Services Group, PayPal

Search every verified Michelle Gill interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Michelle Gill, Executive Vice President and General Manager of PayPal's Small Business and Financial Services Group, has been a prominent voice in discussions about agentic commerce, the use of AI agents to autonomously complete transactions. In late October 2025 appearances at Money20/20, she stated that PayPal is focused on enabling AI agents to handle purchases securely, while addressing consumer concerns about data governance and the legitimacy of merchants. Gill projected that over 40% of consumers would begin holiday shopping journeys on chat-based AI surfaces, and she noted that merchants face challenges in allocating time to prepare for this shift while managing current operations. Gill has also discussed PayPal's financial services for small businesses. At PayPal's Investor Day in June 2025, she highlighted the company's plans to enter the B2B bill pay market, which she described as a $2 trillion opportunity. In a November 2025 interview, she discussed a PayPal survey indicating that half of consumers plan to use Buy Now Pay Later (BNPL) during the holiday season, citing 20% year-over-year growth in BNPL utilization. In a May 2025 podcast, she explained that PayPal's underwriting for working capital loans has evolved to incorporate open banking data, allowing merchants to borrow against a broader view of their receivables rather than only PayPal-specific transaction data.