Well, one thing is clear: anybody who has billions of cash on the high side and his mind at the right place, will now, at this tim in history, investigate if he should enter the banking industry in some form or another.
I don't know his reasons, but I note that the financial arm of most organizations with both a financial arm and another arm makes a huge fraction of the total income.
Examples include GE Financial and GMAC, GM's finance arm (which was sold off a couple of years ago to keep the auto arm alive).
Having said that, my experience with Paypal has been very good overall. And I have a jaundiced attitude towards Apple.