蘑菇AV

This also allows FIs to better relate to union members, offering products and services tailored directly to them鈥攕uch as specialized lending and credit card options, strike pay management options, and pension management. FIs could use this shared experience to differentiate themselves from competitors.

鈥淛ust like you don鈥檛 need a thousand credit cards for things, you don鈥檛 need a thousand memberships for things,鈥� said Davidkhanian. As retailers vie for subscribers, they need to demonstrate the value of their offering鈥攍ike Amazon's ecommerce, entertainment, and delivery infrastructure鈥攊n order to be worth consumers鈥� limited budgets.

For the largest BNPL firms like Affirm and Klarna the question is no longer how to survive鈥攊t鈥檚 how to avoid stalling out at a point where their name recognition is nearly ubiquitous, and yet just 9.1% of consumers use it in a 30-day period, per the Federal Reserve, compared with 73% for credit cards.

The news: American Airlines named Citi as its sole co-brand credit card partner, dropping its relationship with Barclays, per CNBC. The airline will transition Barclays cardholders to Citi in 2026. The dual card provider arrangement stemmed from American Airlines鈥� 2013 merger with US Airways. American started renegotiating its co-brand credit card contracts earlier this year.

The card鈥檚 unique waitlist promotion can help the card gain a sizable user base

Chase, for instance, has co-branded credit cards with retailers like Amazon, and it may already have SKU-level data access through them. If not, it could form relationships with retailers like Walmart to obtain such data. Nonbank players may strike partnerships to gain access to financial product data.