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-

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

We recently worked with a fintech trying to increase the profitability of their loan product. The obvious lever: price. Lower the interest rate, increase uptake. Raise the interest rate, increase the interest income, but volume takes a hit. Econ 101. So, this lender ran tests: increasing or decreasing the interest rate 100 bps for different groups. The results were underwhelming, with customers barely responding to the new interest rates. This puts the lender in a frustrating