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Archie Deskus, executive vice-president and CIO at PayPal, discusses the challenges of the current IT landscape, including security, cost and operating leverage, and people. She explains that security is a major challenge due to sophisticated external threats, and that cost and operating leverage must be managed by having a flexible and adaptable technology architecture. Deskus also highlights the importance of people, as many issues can be attributed to bad hygiene and bad people behavior.