There is always a spreadsheet.
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Amazing insight here. I feel the only way to keep your VDC growing and in line with the mission is to move the consumer upstream within your ecosystem by releasing premium products that have incentives inline with the big banks i.e. Chase Sapphire, AMEX.
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I think that is an option, although I don’t know any company that has successfully nailed it. Another option is picking a target market which will have structural difficulty in switching. (Blanking on name but I was impressed with the card for globally mobile professionals.)
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@threadreaderapp unroll plz -
Hello, the unroll you asked for: Thread by
@patio11: "An interesting consumer credit card offering: http://petalcard.com The most unique thing about it is the schedule of cashback, […]" https://threadreaderapp.com/thread/1174617860628332544.html … See you soon.
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There's an add'l issue in the UK around anti-money laundering regs. Underserved folks often = No credit history + freq changes of address = shaky digital ID + few docs to prove ID and address. Digital only solutions often make this *harder*/riskier not easier.
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Fascinating. Thanks for the thread
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Good thread - thanks
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Are you familiar with
@FluidCredit? Explicitly a transitional product from college students, with monetization (as i understand it) from selling the VDC leads to those bigger cos. Might be interesting to you.Thanks. Twitter will use this to make your timeline better. UndoUndo
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Income share agreement but for helping people get a credit history.
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