According to the company, the collaborations are representative of how modern issuing-processing platforms are leveling the playing field in credit cards, for a variety of innovators around the globe.

Each use case shares several key attributes, including the relative ease with which product features and functionalities were assembled to address specific opportunities, speed to market, and the establishment of a path for accelerated innovation cycles and expansion.

“These visionary partners each embody in their own way the democratization of product innovation in financial service, and particularly in credit - a product class notable for its complexity and dominance by the top five issuers,” said Amir Wain, CEO and founder of i2c, adding, “For years, banks and new entrants have struggled to innovate in the credit space with legacy platforms and to find partners willing and capable of bringing their ideas to life. That’s all changed now.”

Australian Fintech, Archa, started with the simple idea of addressing a gap in their region’s corporate card market, where banks often don’t underwrite corporate credit cards for small businesses. The company’s neo-banking corporate credit platform offers small businesses instant credit on a functional card platform, integrating with existing business practices without a personal guarantee.

"Building our corporate card platform from scratch, we wanted a flexible solution that would meet several bespoke needs, without needing to use multiple vendors," said Archa CEO, Oliver Kidd. “i2c solved that for us in that we immediately gained a payments partner with deep experience, integrations and partnerships like with Mastercard, plus proven speed to market,” he added.

As a leading bank serving Southern Maryland and the Fredericksburg region with an emphasis on being close to their customers, CBTC sought to level the playing field through the creation of a credit program for its business and consumer clients that could compete with those offered by the largest institutions.

“We know the customers and how to serve and reward them. We just didn’t have access to the same tools. Partnering with i2c lets us capitalize on what we have, allowing us to compete and provide a best-in-class, highly-relevant experience that simply wasn’t accessible just a few years ago,” said Jimmy Burke, President of CBTC.

Credit Sesame, a credit wellness platform that guides consumers on a path to financial freedom using AI and machine learning, was looking for a trusted partner to help take its digital banking business to market and accelerate growth and expansion across services geographies.

“In order to deliver on our global aspirations, we needed a partner that had the footprint to make it happen. i2c’s platform, with its powerful API layer and card account lifecycle management capabilities, allows us to quickly bring new products and services that push the boundaries of financial wellness innovation and bring it to life, across the world,” said Miro Pavletic, General Manager of Global Banking, Credit Sesame.