James Cowlishaw is Head of Channel Partnerships at PayPal Australia, where he works with organisations across the country to deliver better digital experiences. With over a decade of experience in digital payments and distribution, James has spent his career building the kind of frictionless, consumer-first experiences that have come to define what people expect from great digital products. At PayPal, a platform trusted by millions of Australians every day, that means designing for speed, transparency, and simplicity at scale. It's that lens James brings to this conversation: the belief that people don't compare their healthcare experience to other healthcare experiences. They compare it to the last great digital interaction they had.