Credit orchestration in practice
What you'll learn
- Why the "linear credit journey" is the wrong way to think about your customers
- What flexible credentials are, and the demand signals already in the data
- Why the customers who want them are also the most open to non-banks
- A 2026 roadmap framework: what to build, pilot, or defer
Highlights
Time | Highlight |
2:29 | Credit is no longer a single product — 79% of BNPL users keep using it even with a solid credit card. |
8:23 | Credit orchestration, defined: it's a journey question, not a product one. |
11:35 | What a flexible credential actually is — one card, multiple funding sources. |
18:17 | It's a replacement, not an add-on: 67% would replace debit, 71% credit, 71% would drop standalone BNPL. |
19:10 | The strategic window: why non-banks can win. |
20:25 | Trust is a brand question, not a category one — 32% of 18–24s, jumping to 87% once brands are named. |
23:54 | How fintechs, brands, SMB platforms, and banks should each respond. |
31:27 | The 2026 build / pilot / defer framework. |
40:09 | A real SMB credit journey — and why the first card rarely wins the consolidation. |
43:13 | Q&A: co-brand, flex vs. portfolios, and the platform must-haves. |
Next steps
Get the full report — all the data and segment breakdowns we couldn't fit into 45 minutes.
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