wanting to buy that new iPhone but you can’t afford it without credit. The answer isn’t applying for a card, it’s applying for credit—an experience that by its nature will redefine the way we organise the business. The credit card department gives way to teams that can surface the utility of credit contextually where it makes the most sense. Sure, you need credit access; but no, you don’t need plastic, you don’t need to apply months or weeks in advance—you just need the core credit capability surfaced through the technology layer.
