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Issue Three: North America

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Issue Three: North America

Company case studies: Marcus (Goldman Sachs), Splitit

The US credit card market has been enjoying a quiet moment with only three major events to grapple with:

  • The launch of the Apple Credit Card in the middle of August 2019;
  • Growing consumer debt that is mainly driven by strong growth in credit card receivables;
  • Continued strong performance of the TBTF banks – again mainly driven by a fantastic showing in retail banking and credit cards.

Banks have managed to provide a customer experience through digital channels that is delightfully simple, easy and quick: they have taken existing processes and given them a digital/mobile makeover to make them work effectively.

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