Product Launch

In today’s world of fintech, where innovation drives competition and everyone is building cool new features, customer service remains an overlooked cornerstone of success—especially in the credit card sector. Customers today can face several fears and concerns when it comes to their credit card management: fraudulent transactions, hidden fees, poor communication, and inadequate support can lead to frustration and dissatisfaction. The implications of these issues are signific

A founder’s guide to the paths, tradeoffs, and decision points that matter There’s more than one way to launch a credit card. If you’re a fintech founder or early product lead exploring how to offer a credit product, you’ve likely discovered this already: there’s no single blueprint. Just a handful of viable paths each with their own infrastructure choices, regulatory implications, cost profiles, and long-term consequences. This post breaks down the core approaches, the real-

A tactical guide for fintech founders planning to fund credit at scale You’ve validated the product. You’re ready to scale. Now comes the big question: where’s the capital coming from? For fintech teams launching credit card products, getting a debt facility in place is one of the most important—and misunderstood—steps in building a durable lending business. If you’re planning to originate credit at scale, you’ll eventually need outside capital to do it. But not all debt is c

What operations infrastructure do you need beyond your LMS and LOS? Even “full-suite” LMSs and LOSs will leave some gaps. Adding to the...

There are numerous benefits to owning your own UX infrastructure as a credit card lender. You have total control. You can test things...

Every credit card application flow will include some sort of bureau data request, often called a credit "pull". There are multiple kinds...

Same form factor. Very different infrastructure. They look identical in-hand, but credit and debit cards are very different on the back...

Launching a credit card (or other lending product) can make you feel like you're spread pretty thin. There's a myriad of vendor, partner,...

The Short Answer: Yes, and Don't Cut Corners When investors, debt providers, and sponsor banks ask to see your credit policy, it may seem...

Why Sponsor Banks Matter So Much Choosing a sponsor bank isn't just another box to check. It’s a consequential decision that influences...