Educate, Empower, Enrich: How Modern Card Program Technology Can Ignite Your Trading Platform
A Marqeta guide
Smarter financial instruments
Educate, Empower,
Enrich: how modern
card programme
technology can ignite
your trading platform
Smarter financial instruments
Educate, Empower,
Enrich: how modern
card programme
technology can ignite
your trading platform
2e-Book
Digital technology is democratising many
areas of financial services, providing access
via slick frontend user experiences to products
previously out of reach to the masses.
App-based fractional trading is a great example
of this. It means people with small amounts of
disposable income are now able to participate
in the exciting world of stocks and shares.
But with a proliferation of trading platforms and
apps in recent years, competition is hotting up.
So it’s vital that innovators redouble their efforts
to engage existing and prospective customers.
One way to do this is to make it easier for
customers to access their investments and embed
trading into everyday life. Which is precisely what
modern payment card programmes enable.
In addition to seamless deposits and withdrawals,
payment cards give trading innovators the
ability to extend their services into new areas
to create compelling propositions. And thanks
to enriched data insights, cards allow a better
understanding of what makes investors tick.
This is what we discuss in this simple eguide.
Over the following pages we outline a series
of superpowers that a digital card programme
can bestow on trading platform innovators.
Deepen customer engagement
with value-added financial
products and services
In addition to seamless deposits and withdrawals, payment cards give
trading innovators the ability to extend their services into new areas to create
compelling propositions."
Digital technology is democratising many
areas of financial services, providing access
via slick frontend user experiences to products
previously out of reach to the masses.
App-based fractional trading is a great example
of this. It means people with small amounts of
disposable income are now able to participate
in the exciting world of stocks and shares.
But with a proliferation of trading platforms and
apps in recent years, competition is hotting up.
So it’s vital that innovators redouble their efforts
to engage existing and prospective customers.
One way to do this is to make it easier for
customers to access their investments and embed
trading into everyday life. Which is precisely what
modern payment card programmes enable.
In addition to seamless deposits and withdrawals,
payment cards give trading innovators the
ability to extend their services into new areas
to create compelling propositions. And thanks
to enriched data insights, cards allow a better
understanding of what makes investors tick.
This is what we discuss in this simple eguide.
Over the following pages we outline a series
of superpowers that a digital card programme
can bestow on trading platform innovators.
Deepen customer engagement
with value-added financial
products and services
In addition to seamless deposits and withdrawals, payment cards give
trading innovators the ability to extend their services into new areas to create
compelling propositions."
3
Pillars of Strength
What a card programme can enable your trading platform to deliver
As a digital builder developing a modern trading platform, you can make your proposition much more
compelling with the latest payment card functionality. Here’s why:
Make investment earnings and
opportunities accessible in real time.
Whether it’s drawing down earnings or investing
while on the go, a card programme gives
trading platform customers the power to act
in real time. This instant access functionality
applies to any savings products you offer too. A
Mastercard or Visa payment card linked to your
app also puts your brand in front of customers
everyday. For example when they are making a
payment in a bricks and mortar store, your card’s
constant visibility in a physical or smartphone
wallet will serve as a reminder to trade.
Deliver compelling trading rewards
to drive engagement and spending.
Who doesn’t love rewards? As it happens, most
of us do. Unfortunately, traditional card perks
such as air miles and loyalty points have been
devalued in recent years. This is where offering a
trade as a reward can really shine. Trading rewards
mean users can accrue benefits by simply using
their card for everyday purchases - just like any
other card in their wallet. Alternatively, you could
incorporate transaction round-up functionality,
enabling customers to make automated
investments each time the card is used.
Open up a range
of spending options.
While your trading platform card might be based
around its investment credentials, it’s vital that
it gives users the option to spend in savings or
earnings held across different accounts. The key to
success is making the card on par with traditional
debit cards, thus normalising wealth apps as an
integral component of day-to-day finances.
Pillars of Strength
What a card programme can enable your trading platform to deliver
As a digital builder developing a modern trading platform, you can make your proposition much more
compelling with the latest payment card functionality. Here’s why:
Make investment earnings and
opportunities accessible in real time.
Whether it’s drawing down earnings or investing
while on the go, a card programme gives
trading platform customers the power to act
in real time. This instant access functionality
applies to any savings products you offer too. A
Mastercard or Visa payment card linked to your
app also puts your brand in front of customers
everyday. For example when they are making a
payment in a bricks and mortar store, your card’s
constant visibility in a physical or smartphone
wallet will serve as a reminder to trade.
Deliver compelling trading rewards
to drive engagement and spending.
Who doesn’t love rewards? As it happens, most
of us do. Unfortunately, traditional card perks
such as air miles and loyalty points have been
devalued in recent years. This is where offering a
trade as a reward can really shine. Trading rewards
mean users can accrue benefits by simply using
their card for everyday purchases - just like any
other card in their wallet. Alternatively, you could
incorporate transaction round-up functionality,
enabling customers to make automated
investments each time the card is used.
Open up a range
of spending options.
While your trading platform card might be based
around its investment credentials, it’s vital that
it gives users the option to spend in savings or
earnings held across different accounts. The key to
success is making the card on par with traditional
debit cards, thus normalising wealth apps as an
integral component of day-to-day finances.
4
Enhance your platform’s value proposi-
tion with a suite of banking functions.
The more you make your trading app card like any
other card in a user’s wallet, the more compelling
it becomes to consumers. With that in mind, your
trading proposition should come with digital
banking features such as direct deposits and free
ATM access. Additionally, real-time notifications,
personal financial management tools, spend
controls and compatibility with Google Pay and
Apple Pay wallets will really enhance your app.
You could also link a savings account to a card,
complementing products such as ISAs and bonds.
The aim is to propel your card into the mainstream.
Deliver real-time insights to create
engaging experiences and boost
customer loyalty.
With the value of stocks and shares changing
frequently, investors need easy access to real-
time data about their investments. Providing
users with in-app notifications containing
information such as spend data, rewards,
earnings and balance updates will help keep
them engaged with the card in real time and
satisfied with your proposition for the long term.
Enhance your platform’s value proposi-
tion with a suite of banking functions.
The more you make your trading app card like any
other card in a user’s wallet, the more compelling
it becomes to consumers. With that in mind, your
trading proposition should come with digital
banking features such as direct deposits and free
ATM access. Additionally, real-time notifications,
personal financial management tools, spend
controls and compatibility with Google Pay and
Apple Pay wallets will really enhance your app.
You could also link a savings account to a card,
complementing products such as ISAs and bonds.
The aim is to propel your card into the mainstream.
Deliver real-time insights to create
engaging experiences and boost
customer loyalty.
With the value of stocks and shares changing
frequently, investors need easy access to real-
time data about their investments. Providing
users with in-app notifications containing
information such as spend data, rewards,
earnings and balance updates will help keep
them engaged with the card in real time and
satisfied with your proposition for the long term.
5
Card issuing: Instant issuance of physical,
virtual, and tokenized cards with direct
provisioning to digital wallets
Card processing: Real-time funding using our
Just-in-Time (JIT) Funding™ feature with
dynamic spend controls to reduce fraud
Marqeta is headquartered in Oakland, California
and is enabled in 36 countries globally.
For more information, visit Marqeta | Modern Card
Issuing and Payment Solutions
Marqeta’s modern card issuing platform empowers
its customers to create customized and innovative
payment cards. Marqeta’s platform, powered
by open APIs, gives its customers the ability to
build more configurable and flexible payment
experiences, accelerating product development and
democratizing access to card issuing technology.
Its modern architecture provides instant access to
highly scalable, cloud-based payment infrastructure
that enables customers to launch and manage their
own card programs, issue cards, and authorize and
settle transactions.
Marqeta built its simple, trusted, and scalable
platform from the ground up to help companies
design seamless payment experiences, streamline
purchase flows, and bring products to market faster
while minimizing fraud risk.
You see a card.
We see endless possibilities.
linkedin.com/company/marqeta-inc
x.com/marqeta
Card applications: A suite of applications and
tools that help you build, manage,
and run your card program
Modern architecture: Developer-friendly,
modern open APIs, cloud infrastructure,
and webhooks
About Marqeta
Card issuing: Instant issuance of physical,
virtual, and tokenized cards with direct
provisioning to digital wallets
Card processing: Real-time funding using our
Just-in-Time (JIT) Funding™ feature with
dynamic spend controls to reduce fraud
Marqeta is headquartered in Oakland, California
and is enabled in 36 countries globally.
For more information, visit Marqeta | Modern Card
Issuing and Payment Solutions
Marqeta’s modern card issuing platform empowers
its customers to create customized and innovative
payment cards. Marqeta’s platform, powered
by open APIs, gives its customers the ability to
build more configurable and flexible payment
experiences, accelerating product development and
democratizing access to card issuing technology.
Its modern architecture provides instant access to
highly scalable, cloud-based payment infrastructure
that enables customers to launch and manage their
own card programs, issue cards, and authorize and
settle transactions.
Marqeta built its simple, trusted, and scalable
platform from the ground up to help companies
design seamless payment experiences, streamline
purchase flows, and bring products to market faster
while minimizing fraud risk.
You see a card.
We see endless possibilities.
linkedin.com/company/marqeta-inc
x.com/marqeta
Card applications: A suite of applications and
tools that help you build, manage,
and run your card program
Modern architecture: Developer-friendly,
modern open APIs, cloud infrastructure,
and webhooks
About Marqeta