Mobile Weve heard a lot about PayPal lately and with good reason With the specter of the eBay business loss looming the companys been working frantically to make up for the shortfall and continue to show profit The good news is its done just that and recently revealed that its next move is to go after the unbanked Yes PayPal has a plan to expand its lineup of banking services in its mobile payments operation Its already got some basic banking services being offered to some consumers mainly through its digital wallet and some Federal Deposit Insurance Corp FDIC protections for balances While PayPal doesnt have a banking license a move that limits what it can do it can offer some services especially in conjunction with other banks A Delaware bank is helping it offer up PayPal balance-backed debit cards and a Georgia bank is allowing customers to deposit checks direct to PayPal by photo It even has a couple of banks in Utah working with it to provide lending services Throw in cross-border remittances popular with those working in other countries who want to send cash back to the family and youve got a full plate of options PayPal actually gets a bit ahead on this because its not offering any interest on balance deposited and it charges one percent for every check deposited by photo With PayPal able to function as at least a skeletal bank with minimal features it might well be able to draw in a whole new base of customers Thats not just in the US either if it can branch out from there into all the other countries where it has a presence theres some real potential opportunity for gains to be had PayPal branching into new market sectors like this is whats likely going to let it slide on by the loss of eBay with minimal if any impact The utter tragedy of all this is that were just seeing PayPal basically treading water All these gains will be sunk by the loss of eBay trade imminently and draw it back to merely flat But flat is much better than a crater in the balance sheet so kudos to PayPal for seeing a problem and diversifying in response