There are numerous benefits to owning your own UX infrastructure as a credit card lender. You have total control. You can test things without involving vendors — meaning you move on your own timeline. You can fully customize user flows and features, creating a truly differentiated product. If money were no object, we’d recommend it to just about everybody. But, of course, building your own UX infrastructure takes time and money. Lots of it. A white-label solution is faster an

To build or not to build? It’s one of the biggest decisions you’ll make. When launching a credit card or lending product, one of the first decisions you face is how to architect your infrastructure. Should you choose a turnkey Banking-as-a-Service (BaaS) platform? Or should you DIY it, stitching together all the vendors yourself? There’s no universally right answer. Both have pros and cons and how you weigh them is unique to your goals. But think carefully: your decision now