# How PayPal uses H2O.ai

**6%** Increase in model accuracy

As published on [h2o.ai](https://h2o.ai/case-studies/paypal-h2o). Captured by usedby on 2026-10-17.

- Company: [PayPal](https://www.usedby.ai/companies/paypal.md)
- Tool: [H2O.ai](https://www.usedby.ai/tools/h2o-ai.md)
- Industry: [Fintech & Payments](https://www.usedby.ai/companies/industry/fintech-payments.md)
- Teams: Data Science

## The use case: how PayPal deploys H2O.ai

PayPal's data science teams use H2O Driverless AI for automated feature engineering and model training to detect fraud in real time, combining graph network features with expert-engineered features. They also use it to predict customer churn early enough to act.

Summary written by usedby from the source page, in English. The figures are those of H2O.ai and PayPal, not ours.

> Using H2O Driverless AI, the PayPal team found significant new modelling features that raised model accuracy by almost 6% in a single test.

- **six times**: “running on an IBM Power GPU-based server let the team train the model six times faster than in a CPU environment”
- **0.947**: “Model accuracy increased from 0.89 to 0.947”

> H2O Driverless AI gives amazing performance in terms of feature performance and also model performance.
>
> Venkatesh Ramanathan, Senior Data Scientist, PayPal

Source: [h2o.ai](https://h2o.ai/case-studies/paypal-h2o), captured 2026-10-17.

## Other AI tools used by PayPal

- [Cursor](https://www.usedby.ai/tools/cursor.md) — Confirmed
- [Omnea](https://www.usedby.ai/tools/omnea.md) — Confirmed
- [Perplexity](https://www.usedby.ai/tools/perplexity.md) — Confirmed
- [Sirion](https://www.usedby.ai/tools/sirion.md) — Confirmed
- [ChatGPT](https://www.usedby.ai/tools/chatgpt.md) — Observed
- [Miro](https://www.usedby.ai/tools/miro.md) — Observed

## H2O.ai users in Fintech & Payments

- [Acordo Certo](https://www.usedby.ai/companies/acordo-certo.md) — Confirmed
- [Deserve](https://www.usedby.ai/companies/deserve.md) — Confirmed
- [Underwrite.ai](https://www.usedby.ai/companies/underwrite-ai.md) — Observed

## What usedby checked

We compared the story with its live page on 2026-10-17.

- Checked: the figure 6% is on the page; its label is our wording.
- Checked: the passage quoted above is copied word for word from the page, near the name of PayPal.
- Checked: PayPal uses H2O.ai. Confirmed line. Latest check across sources: 2026-10-24.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/paypal-h2o-ai · How we check: https://www.usedby.ai/methodology