Media reports are not always accurate. To be technically accurate, the access of information within the PayPal account would only be through an authorized account holder or through their loss of credentials and device. If there's a loss of credentials by a consumer—let's say they have malware on their computer and their log-in credentials are stolen or lost through that—the access of their account through a malicious attempt would be caught by our fraud platform or risk systems to detect that. If it's not caught by some vulnerability, the only access into the PayPal account would be to PayPal balance, but not directly into the consumer's bank information. The bank information is stored in our system and not made visible, even after entered into the system by the consumer.
The only method they would have is of trying to extract data by using the PayPal system to process transactions. They might try to attempt fraud, but they wouldn't be able to get their bank account information through the platform.