Tearsheet Podcast: Exploring Financial Services Together

Deep Dive: Fintechs get more aggressive and creative around debit card rewards programs


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For many fintechs, debit cards act as their monetization engine. As users spend, they pocket part of the interchange fee. To encourage users to swipe more, we’re seeing a resurgence of rewards programs around debit card usage — something that waned after the financial crisis of 2008 and new regulation that capped fees for debit cards.
Tearsheet’s Sara Toth Stub recently published ‘Programs without gotchas’: Startups get more creative with rewards programs for debit card holders. We invited Sara on to the podcast to talk about what she was hearing in rewards land, what’s new with incentives around debit cards, and where this may all be headed.
We discuss:
Initial pullback from debit cards rewards
Fintech leads a resurgence in debit card rewards programs
Innovation?
Rise of the super apps
Creative rewards
What’s driving debit rewards programs
Looking ahead with debit rewards
Flexibility and tailor-made programs are also a theme
...more
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Tearsheet Podcast: Exploring Financial Services TogetherBy Tearsheet Studios

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