In 2004, we embarked on a mission to transform the payments industry. Our vision began with the launch of our first prepaid program—a solution that laid the groundwork for what would become hundreds of partnerships with banks, fintechs, and financial service companies. What started as a single program soon grew into a much broader endeavor, driven by the changing needs of our partners and the rapid evolution of the payments industry.
As the landscape shifted, so did we. Our commitment to co-creation and collaboration allowed us to anticipate and respond to the demands of our partners. In response to those needs, we expanded far beyond prepaid solutions, becoming a one-stop-shop that offered prepaid, debit, acquiring, digital payments, and credit solutions. With each new service, we honed our expertise and cultivated an ecosystem of world-class payment partners while building a best-in-class risk and compliance infrastructure to ensure the long-term stability of every program.
Our growth wasn’t just about adding new products; it was about investing in top-tier talent, nurturing leadership across the enterprise, and creating a culture of accessibility and readiness. This collective strength has enabled us to deliver innovative solutions that consistently meet the needs of our partners, no matter how the market evolves.
Today, as we celebrate two decades of service, we are proud of our roots, and excited about our decision to rename our “Banking as a Service” business line to “Partner Solutions.” This shift is more than a name change—it’s a reflection of our deep focus on partnership, innovation, and co-creation.
Staying Ahead Through Strategic Innovation and Collaboration
As the payments industry moved from card-centric solutions to a more holistic approach – combining cards, payment products, and lending options – we’ve adapted by creating the right structures and strategies to meet these changing demands.
At the heart of our work is a collaborative ethos, a guiding principle that fosters alignment across teams, ensures we share common goals, and a unified vision for future success. This focus on teamwork not only strengthens our internal operations but also enhances our ability to co-create cutting-edge products with fintech partners to meet the needs of their customers.
Looking Ahead to the Next 20 Years
Much of our success has been shaped by the partnerships we have built along the way. They have grown with us, taught us invaluable lessons, and helped us refine our processes and solutions. It’s through this growth that we’ve become a better partner bank—one that continuously learns, adapts, and strives to exceed expectations. Their feedback, innovation, and trust have been instrumental in elevating our work, ensuring we are always delivering the solutions they need.
As we reflect on 20 years of pioneering work in the payments space, we take pride in our lasting impact on the industry. Our ability to adapt and innovate is what has sustained us, and it’s what will drive Partner Solutions forward. We look forward to building on our legacy with partners by co-creating solutions that address the changing needs of consumers and businesses. Here's to the next 20 years of collaboration, innovation, and financial empowerment!
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