Metal cards are a key differentiator for Fintech companies.

No matter how innovative or exciting a new product is, it can still be challenging to keep existing customers or attract new customers. But even against great odds, a handful of fintech firms worldwide attract cardholders and successfully compete against conventional banks by offering a metal card product as part of a robust value proposition.

This white paper identifies the key challenges fintech firms face and seeks to provide the best practices for launching a successful metal debit or credit card product. Consumer and fintech research indicate that a metal card can attract cardholders and support a tiered structure that provides the most benefits to premium customers.