Offers a natural continuation for the conversation after the reader is intrigued by the PayPal impact study results. It encourages merchants to analyze their payments processing setup by performing a gap analysis of their own process. Throughout the proposed framework, merchants examine payments with consideration to their growth, optimization and diversification needs. It starts by assessing their past performance and outlining what is needed to reach their goals in the upcoming year. Part 2 of the framework looks at the strengths of the current setup and prioritizes the areas with the greatest opportunity. In Part 3, the merchant can dive into the specific tools and features that could help achieve their goals.