A significant competitor, such as Amazon Pay, begins using machine learning algorithms to predict consumer behavior and tailor digital payment solutions. Based on the strategies outlined in the case study, which of the following actions could PayPal prioritize to compete effectively in this scenario? $($Select all that apply$)$

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a

Further integrate analytical tools into the SuperApp to deliver customized consumer insights and recommendations

b

Increase investment in peer$-$to$-$peer payment platforms like Venmo to capture data$-$driven consumer trends

c

Focus on its employee wellness programs to position itself as the socially responsible leader in the market

d

Scale down partnerships with Visa and Mastercard to reduce costs and invest in proprietary transaction platforms