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1、Elevating the payments experience How modern card issuing can unlock deeper financial relationships with cardholdersContents Building the case for modern card issuing 3Giving a modern makeover to consumers card payments journey 4Creating value beyond cards can unlock a deeper financial relationship

2、7The time to act is now 9Endnotes 10 Contacts 11Elevating the payments experience Building the case for modern card issuing In June 2019,Bank of America debuted its digital debit card in the United States,allowing customers to apply for a new or replacement card in its mobile banking appgetting it i

3、ssued instantly in the app itself.1 Digitally issued cards gave customers instant access to their funds for digital and contactless in-person payments and allowed the issuer to address fraud associated with in-branch card issuance.2Nearly three years later,the COVID-19 pandemic has only strengthened

4、 the case for digital issuance across the industry.Consumers in all age cohorts have become more comfortable with digital-first experiences,whether its digital health,digital commerce,or digital payments.So why would they want to visit a branch or wait for days for their new debit or credit card to

5、arrive in the mail?Digital card issuance is a natural extension of the convenient and instant access to funds that consumers have begun to expect.And according to Mastercards COVID Consumer Impact Tracker,57%of respondents believe receiving and using digital cards over physical cards is a change tha

6、ts here to stay.3 About the surveyDeloitte conducted a consumer payments survey between August and September 2021 to gauge consumers interest in the experiences powered by a modern card issuing platform.The survey was fielded to 1,947 US banked or underbanked consumers by an independent research fir