Fintech Takes Fintech in 2025: Where the Industry Goes Next - The State of Credit in 2025
Nov 25, 2024
Matthew Goldman, a credit card expert and publisher of Cards for the Win, joins Todd Pollak, CRO at Marqeta, to unpack the evolving landscape of credit in 2025. They discuss the challenges of differentiation in a saturated credit card market and explore shifting consumer behaviors and preferences. The duo highlights the role of fintech in innovating credit solutions, emphasizing user-friendly integration into daily life. They dive into loyalty rewards, the importance of convenience, and question the true value of credit cards beyond the money.
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Consumer Values
- Consumer credit card values vary by user type, from access to credit to rewards.
- Often overlooked, consumer protection and dispute resolution are highly valued.
Subscription Block
- Alex Johnson found value in a card issuer's feature to block recurring charges.
- This helped him cancel a difficult subscription, highlighting a subtle differentiator.
Signup vs. Usage
- Card signup motivations differ from usage motivations.
- While image and exclusivity drive signups, the value proposition determines continued use.