PayPal has been going through some big changes since separating from eBay last year. The company recently introduced a redesigned app and is now monetizing its popular peer-to-peer payments app, Venmo. Already with 18 million users, PayPal is expanding its One Touch checkout to 120 new countries.

And they are doubling down on Braintree, which powers the mobile transactions on Uber, Airbnb and StubHub. TechCrunch sat down with senior vice president Bill Ready to find out about what’s in store for PayPal, and why he’s not worried about Apple Pay.