Most Disruptive Winner 2012 By PYMNTS | August 15, 2012 | And the winner is… PayPal! Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions. Δ Mobile Commerce and Digital Wallet Digital wallet that supports a variety of online/offline commerce activities See More In: