{"id":6669,"date":"2024-10-17T20:04:01","date_gmt":"2024-10-17T14:34:01","guid":{"rendered":"https:\/\/zv3d.wpengine.com\/us\/?p=6669"},"modified":"2025-01-29T13:14:14","modified_gmt":"2025-01-29T07:44:14","slug":"breaking-the-status-quo-with-next-gen-card-programs","status":"publish","type":"post","link":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/","title":{"rendered":"Breaking the Status Quo with Transformative Card Experiences"},"content":{"rendered":"<p><strong>Contents<\/strong><\/p>\n<ul>\n<li><a href=\"#reimaginingdigitalexperienceswithanewgenerationofcards\"><strong>Reimagining Digital Experiences with a New Generation of Cards <\/strong><\/a><\/li>\n<li><a href=\"#understandingtheimpactoftransformativecardexperiences\"><strong>Understanding the Impact of Next-Gen Card Experiences <\/strong><\/a><\/li>\n<li><a href=\"#gen3cardsmovingtheneedleforissuersandcardholders\"><strong>Moving the Needle for Issuers and Cardholders<\/strong><\/a><\/li>\n<li><a href=\"#imperativetomodernizeandbuildtransformativeexperiences\"><strong>Imperative to Modernize and Build Transformative Experiences <\/strong><\/a><\/li>\n<\/ul>\n<p>In the current competitive financial landscape, merely acquiring customers is not sufficient; financial institutions (FIs) must foster active customer engagement. Zeta\u2019s research indicates that card usage dominates customer interactions with their FIs, surpassing all other banking interactions. Cards are used 25X more frequently than other interactions such as visiting branches or writing checks (Image1).<\/p>\n<p>However, despite their potential for driving customer engagement, digital experiences tied to cards are often buried within banking apps.<\/p>\n<p class=\"divider-line\">Image 1<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6685 size-large\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/auftgefbuc-1024x573.png\" alt=\"cards-are-at-the-center-of-banking-relationships\" width=\"1024\" height=\"573\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/auftgefbuc-1024x573.png 1024w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/auftgefbuc-300x168.png 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/auftgefbuc-768x429.png 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/auftgefbuc.png 1089w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><em>Source: <span class=\"TextRun SCXW231208235 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW231208235 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0Zeta internal data<\/span><\/span><\/em><\/p>\n<p><span data-contrast=\"auto\">Card experiences today are undifferentiated. <\/span><b><span data-contrast=\"auto\">60% of cardholders feel their rewards program is indistinguishable from those of competitors<span class=\"TextRun SCXW29534819 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW29534819 BCX8\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-banking-and-credit-card-mobile-app-satisfaction-studies\" target=\"_blank\" rel=\"noopener\"><sup>1<\/sup><\/a><\/span><\/span><\/span><\/span><\/b><span data-contrast=\"auto\">. While other areas of financial services have evolved, most credit card programs continue to rely heavily on cashbacks, travel perks, and introductory low-interest rates, missing the opportunity to create modern and competitive experiences.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>Our conversations with scores of card issuers reinforce our belief that the imminent need to adopt next-gen card processing capabilities goes beyond merely cutting costs or accelerating feature delivery. There is an equally vital focus on creating innovative card experiences that have now become essential to maintain competitiveness.<\/p>\n<p>Our latest eBook, <a href=\"https:\/\/www.zeta.tech\/us\/resources\/ebook-on-innovative-credit-card-program-use-cases-for-issuers\"><span data-contrast=\"none\">The Future of Cards is Now<\/span><\/a><span data-contrast=\"auto\">, showcases 12 innovative card experiences that can drive significant benefits for issuers and cardholders. Powered by next-gen card technology, these card experiences offer a glimpse into what\u2019s possible when card program managers can conceive, iterate and launch new features rapidly, unfettered by their legacy stack.\u00a0 <\/span><\/p>\n<p><span data-contrast=\"auto\">In this blog, I summarize the eBook&#8217;s core insights and explore 4 transformative experiences and their impact on issuer and cardholder outcomes. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 id=\"reimaginingdigitalexperienceswithanewgenerationofcards\"><span style=\"font-weight: 400;\">Reimagining Digital Experiences with a New Generation of Cards<\/span><\/h2>\n<p>Credit cards have remained largely unchanged for decades, with minimal innovation in their core features. Next-generation card processing platforms are ushering in a radical reimagination of credit cards. We&#8217;ve identified three distinct phases in this evolution, with Gen 3 representing the emerging paradigm.<\/p>\n<p>The transformative experiences made possible by Gen 3 cards are characterized by 5 central attributes:<\/p>\n<ul>\n<li>AI-powered intelligence,<\/li>\n<li>Hyper-personalization,<\/li>\n<li>Augmented configurability,<\/li>\n<li>DIY controls, and<\/li>\n<li>Fail-safe security<\/li>\n<\/ul>\n<p>Image 2 outlines the evolution of credit cards over the years highlighting how these 5 attributes are redefining them in Gen 3.<\/p>\n<p class=\"divider-line\">Image 2<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-6682\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Image1_EvolutionofCards.jpg\" alt=\"3 generations of cards\" width=\"1684\" height=\"1235\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Image1_EvolutionofCards.jpg 1684w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Image1_EvolutionofCards-300x220.jpg 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Image1_EvolutionofCards-1024x751.jpg 1024w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Image1_EvolutionofCards-768x563.jpg 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Image1_EvolutionofCards-1536x1126.jpg 1536w\" sizes=\"auto, (max-width: 1684px) 100vw, 1684px\" \/><\/p>\n<p>Gen 3 cards, enabled by advanced processing platforms, provide issuers with unprecedented opportunities for swift innovation without hefty development costs. Crucially, these cards allow issuers to boost customer satisfaction, foster deeper engagement, increase revenue, and achieve top-of-wallet status.<\/p>\n<h2 id=\"understandingtheimpactoftransformativecardexperiences\"><span style=\"font-weight: 400;\">Understanding the Impact of Transformative Card Experiences<\/span><\/h2>\n<p>Next-gen card processors empower issuers to build innovative, never seen before card experiences.<\/p>\n<p>This eBook showcases 12 innovative card experiences that can significantly enhance modern card programs.<\/p>\n<p>Highlighted below are 4 of these experiences that improve the card experience for both consumers and businesses while substantially impacting issuers&#8217; business performance and engagement metrics.<\/p>\n<p>1. <strong>Cards for the whole family<\/strong><\/p>\n<p><span data-contrast=\"auto\">A family hub experience that goes beyond traditional add-on cards, allowing primary cardholders to digitally issue cards, set dynamic transaction controls, and track spending at both individual and household levels in real time. <\/span><\/p>\n<p class=\"divider-line\">Image 3<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6686 size-large\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Cards-for-whole-family-screens-2-1024x666.png\" alt=\"cards-for-the-whole-family\" width=\"1024\" height=\"666\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Cards-for-whole-family-screens-2-1024x666.png 1024w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Cards-for-whole-family-screens-2-300x195.png 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Cards-for-whole-family-screens-2-768x500.png 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Cards-for-whole-family-screens-2-1536x999.png 1536w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Cards-for-whole-family-screens-2-2048x1332.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>2. <strong>Expense Management for Business<\/strong><\/p>\n<p>Business owners can easily link employee accounts to their existing credit card, streamlining business spending. Cardholders can set usage controls at the account, card, and transaction levels, with spend limits based on date, time, merchant category, or transaction type.<\/p>\n<p class=\"divider-line\">Image 4<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6687 size-large\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Expense-management-for-businessses-screens-2-1024x666.png\" alt=\"expense-management-for-business\" width=\"1024\" height=\"666\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Expense-management-for-businessses-screens-2-1024x666.png 1024w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Expense-management-for-businessses-screens-2-300x195.png 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Expense-management-for-businessses-screens-2-768x500.png 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Expense-management-for-businessses-screens-2-1536x999.png 1536w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Expense-management-for-businessses-screens-2-2048x1332.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>3. <strong><span class=\"TextRun SCXW18189531 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW18189531 BCX8\">AI-Powered Business Reporting<\/span><\/span><\/strong><\/p>\n<p><span class=\"TextRun SCXW104045616 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW104045616 BCX8\">A conversational AI assistant lets employees easily scan and <\/span><span class=\"NormalTextRun SCXW104045616 BCX8\">submit<\/span><span class=\"NormalTextRun SCXW104045616 BCX8\"> receipts for business expenses, using OCR to autofill and enrich expense details. Business owners or managers receive real-time notifications and can review and approve expenses on the go.<\/span><\/span><span class=\"EOP SCXW104045616 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p class=\"divider-line\">Image 5<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6688 size-large\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/AI-Powered-expense-reporting-for-businessses-screens-2-1024x666.png\" alt=\"ai-powered-business-reporting\" width=\"1024\" height=\"666\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/AI-Powered-expense-reporting-for-businessses-screens-2-1024x666.png 1024w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/AI-Powered-expense-reporting-for-businessses-screens-2-300x195.png 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/AI-Powered-expense-reporting-for-businessses-screens-2-768x500.png 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/AI-Powered-expense-reporting-for-businessses-screens-2-1536x999.png 1536w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/AI-Powered-expense-reporting-for-businessses-screens-2-2048x1332.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>4. <strong><span class=\"NormalTextRun SCXW237638419 BCX8\">Virtual Installment cards<\/span><\/strong><\/p>\n<p><span class=\"TextRun SCXW51627849 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW51627849 BCX8\">Cardholders can create virtual, merchant-specific cards linked to their primary credit card. Spend limits are set at the merchant level, and purchases are automatically converted into installment loans with flexible repayment terms, including adjustable tenure and interest.<\/span><\/span><span class=\"EOP SCXW51627849 BCX8\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p class=\"divider-line\">Image 6<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6689 size-large\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Virtual-instalment-cards-screens-2-1024x666.png\" alt=\"virtual-installment-cards\" width=\"1024\" height=\"666\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Virtual-instalment-cards-screens-2-1024x666.png 1024w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Virtual-instalment-cards-screens-2-300x195.png 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Virtual-instalment-cards-screens-2-768x500.png 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Virtual-instalment-cards-screens-2-1536x999.png 1536w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Virtual-instalment-cards-screens-2-2048x1332.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2 id=\"gen3cardsmovingtheneedleforissuersandcardholders\"><span style=\"font-weight: 400;\">Moving the Needle for Issuers and Cardholders<\/span><\/h2>\n<p>Transformative experiences powered by next-gen card programs can impact issuer outcomes significantly. These innovations drive:<\/p>\n<ul>\n<li>Faster user acquisition<\/li>\n<li>Increased customer loyalty<\/li>\n<li>Higher lifetime value<\/li>\n<li>Higher card utilization and spending<\/li>\n<li>Potential reduction in default rates<\/li>\n<li>Improved top-of-wallet position<\/li>\n<li>Opportunities for targeted cross-selling and upselling based on rich customer insights<\/li>\n<\/ul>\n<p>Operationally, these features can reduce support costs through AI-powered assistance and self-service options. They may also lower fraud-related expenses and chargebacks through enhanced security controls. The personalized and value-added services can improve customer satisfaction and reduce churn. Additionally, the ability to offer instant virtual card issuance can drive usage fee revenue, while features like expense management for businesses open new market segments.<\/p>\n<p>Cardholders benefit from these unique experiences in several ways:<\/p>\n<ul>\n<li>Improved financial oversight\n<ul>\n<li>DIY card controls<\/li>\n<li>Budgeting tools<\/li>\n<li>Comprehensive spend insights<\/li>\n<\/ul>\n<\/li>\n<li>Enhanced security\n<ul>\n<li>Granular transaction controls<\/li>\n<li>Advanced threat protection<\/li>\n<li>Increased confidence in card usage<\/li>\n<\/ul>\n<\/li>\n<li>Personalization\n<ul>\n<li>Tailored rewards<\/li>\n<li>Custom pricing<\/li>\n<\/ul>\n<\/li>\n<li>Greater convenience\n<ul>\n<li>Subscription management<\/li>\n<li>AI-powered assistance<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2 id=\"imperativetomodernizeandbuildtransformativeexperiences\"><span style=\"font-weight: 400;\">Imperative to Modernize and Build Transformative Experiences <\/span><\/h2>\n<p>As the competition for cardholders\u2019 share of wallet intensifies, card program managers are prioritizing card platform modernization, with a focus on creating digital and personalized card experiences powered by real-time data and AI. There is also a notable uptick in interest from credit unions and smaller FIs in launching their own cutting-edge, digitally focused card programs.<\/p>\n<p>Issuers know they need to differentiate, but legacy systems are holding them back. These outdated platforms weren\u2019t built for rapid experimentation, leaving issuers unable to keep pace with market demands. Next-gen processors give card managers the freedom to innovate and deliver truly differentiated experiences leveraging the following characteristics.<\/p>\n<p class=\"divider-line\">Image 7<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6684 size-large\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551811-1004x1024.jpg\" alt=\"characteristics-of-next-gen-processors\" width=\"1004\" height=\"1024\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551811-1004x1024.jpg 1004w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551811-294x300.jpg 294w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551811-768x783.jpg 768w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551811-1506x1536.jpg 1506w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551811-2009x2048.jpg 2009w\" sizes=\"auto, (max-width: 1004px) 100vw, 1004px\" \/><\/p>\n<p>As you move towards building effective card programs, download the eBook, <a href=\"https:\/\/www.zeta.tech\/us\/resources\/ebook-on-innovative-credit-card-program-use-cases-for-issuers\">The Future of Cards is Now<\/a> to explore how digital card experiences can deliver game-changing results for you and your cardholders.<\/p>\n<p><strong>References<\/strong>:<\/p>\n<ol>\n<li data-ccp-border-bottom=\"1px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0J D Power,\u00a0<\/span><\/span><a class=\"Hyperlink SCXW129582443 BCX8\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-banking-and-credit-card-mobile-app-satisfaction-studies\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-charstyle=\"Hyperlink\">2024 US Banking and Mobile App Satisfaction Studies<\/span><\/span><\/a><span class=\"TextRun SCXW129582443 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW129582443 BCX8\" data-ccp-parastyle=\"footnote text\">\u00a0| May 2024<\/span><\/span><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Next-gen card platforms are empowering issuers to offer innovative experiences like family hubs &#038;  virtual installment cards that drive customer loyalty, enhance security, and boost card utilization.<\/p>\n","protected":false},"author":18,"featured_media":6693,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-new.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[31,21],"class_list":["post-6669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cards-payments","tag-card-program-management","tag-next-gen-processing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Breaking the Status Quo with Transformative Card Experiences - Zeta US<\/title>\n<meta name=\"description\" content=\"Learn how next-gen card experiences help issuers differentiate, boost engagement, and drive revenue.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Breaking the Status Quo with Transformative Card Experiences\" \/>\n<meta property=\"og:description\" content=\"Learn how next-gen card experiences help issuers differentiate, boost engagement, and drive revenue.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/\" \/>\n<meta property=\"og:site_name\" content=\"Zeta US\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LifeAtZeta\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-17T14:34:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-29T07:44:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/foc-blog-1-breaking-status-quo-social.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Gary Singh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@zetasuite\" \/>\n<meta name=\"twitter:site\" content=\"@zetasuite\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Breaking the Status Quo with Transformative Card Experiences - Zeta US","description":"Learn how next-gen card experiences help issuers differentiate, boost engagement, and drive revenue.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/","og_locale":"en_US","og_type":"article","og_title":"Breaking the Status Quo with Transformative Card Experiences","og_description":"Learn how next-gen card experiences help issuers differentiate, boost engagement, and drive revenue.","og_url":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/","og_site_name":"Zeta US","article_publisher":"https:\/\/www.facebook.com\/LifeAtZeta\/","article_published_time":"2024-10-17T14:34:01+00:00","article_modified_time":"2025-01-29T07:44:14+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/foc-blog-1-breaking-status-quo-social.jpg","type":"image\/jpeg"}],"author":"Gary Singh","twitter_card":"summary_large_image","twitter_creator":"@zetasuite","twitter_site":"@zetasuite","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#article","isPartOf":{"@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/"},"author":{"name":"Gary Singh","@id":"https:\/\/www.zeta.tech\/us\/#\/schema\/person\/3ce9ecfa21481584601dda6abe08db53"},"headline":"Breaking the Status Quo with Transformative Card Experiences","datePublished":"2024-10-17T14:34:01+00:00","dateModified":"2025-01-29T07:44:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/"},"wordCount":964,"commentCount":0,"publisher":{"@id":"https:\/\/www.zeta.tech\/us\/#organization"},"image":{"@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551807-1.jpg","keywords":["card program management","next-gen processing"],"articleSection":["Cards &amp; Payments"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/","url":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/","name":"Breaking the Status Quo with Transformative Card Experiences - Zeta US","isPartOf":{"@id":"https:\/\/www.zeta.tech\/us\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#primaryimage"},"image":{"@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551807-1.jpg","datePublished":"2024-10-17T14:34:01+00:00","dateModified":"2025-01-29T07:44:14+00:00","description":"Learn how next-gen card experiences help issuers differentiate, boost engagement, and drive revenue.","breadcrumb":{"@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#primaryimage","url":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551807-1.jpg","contentUrl":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/10\/Frame-1686551807-1.jpg","width":1080,"height":1046,"caption":"breaking-the-status-quo-with-next-gen-card-programs"},{"@type":"BreadcrumbList","@id":"https:\/\/www.zeta.tech\/us\/resources\/blog\/breaking-the-status-quo-with-next-gen-card-programs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.zeta.tech\/us\/"},{"@type":"ListItem","position":2,"name":"Breaking the Status Quo with Transformative Card Experiences"}]},{"@type":"WebSite","@id":"https:\/\/www.zeta.tech\/us\/#website","url":"https:\/\/www.zeta.tech\/us\/","name":"Zeta US","description":"Launch Next-Gen Credit Cards With Zeta","publisher":{"@id":"https:\/\/www.zeta.tech\/us\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.zeta.tech\/us\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.zeta.tech\/us\/#organization","name":"Zeta","url":"https:\/\/www.zeta.tech\/us\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zeta.tech\/us\/#\/schema\/logo\/image\/","url":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2022\/02\/logo-white-xx.png","contentUrl":"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2022\/02\/logo-white-xx.png","width":114,"height":46,"caption":"Zeta"},"image":{"@id":"https:\/\/www.zeta.tech\/us\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/LifeAtZeta\/","https:\/\/x.com\/zetasuite","https:\/\/www.linkedin.com\/company\/zetasuite\/"]},{"@type":"Person","@id":"https:\/\/www.zeta.tech\/us\/#\/schema\/person\/3ce9ecfa21481584601dda6abe08db53","name":"Gary Singh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zeta.tech\/us\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0b10715966e1bc9f2c8e8351dc442ade1755a6329cbdec991a02fd229db97faf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0b10715966e1bc9f2c8e8351dc442ade1755a6329cbdec991a02fd229db97faf?s=96&d=mm&r=g","caption":"Gary Singh"},"description":"Gary Singh is the President, North America at Zeta. A 20+ year silicon valley industry veteran, Gary has an extensive knowledge about the fintech industry and holds multiple patents in the mobile and wireless industry. At the core, Singh is a business and product guy, who understands how to build and take new and innovative products and services to disrupt status quo markets. Prior to joining Zeta, Singh was the Chief Revenue Officer at Ondot Systems. He has also held executive level positions at Obopay, Nokia Financials Services and Aruba Networks. He comes with over a decade of experience at Zebra (through multiple acquisitions \u2014 Motorola Solutions enterprise division and Symbol technologies), where he helped pioneer the WiFi market to automate supply chain operations. At Zeta, Singh is responsible for the company\u2019s go-to-market, operations, growth and overall financial performance in North America.","sameAs":["https:\/\/www.linkedin.com\/in\/garysingh1\/"],"url":"https:\/\/www.zeta.tech\/us\/resources\/blog\/author\/garysingh\/"}]}},"_links":{"self":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts\/6669","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/comments?post=6669"}],"version-history":[{"count":0,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts\/6669\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/media\/6693"}],"wp:attachment":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/media?parent=6669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/categories?post=6669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/tags?post=6669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}