Here's why growth in recent years hasn't moved the needle and how the company aims to fix the problem.PayPal Holdings (PYPL -1.91%) is a financial-technology (fintech) pioneer that's still extremely relevant. As of the first quarter of 2024, the company had 427 million active accounts. And its system processed over $400 billion in payments during Q1 alone. That's a big platform that's still getting plenty of use.As of this writing, PayPal stock is down nearly 80% from its all-time high and about 14% over th ...