Author: Fred Ulrich

the adulting of Millennial financial apps

Venmo, Chime and the Adulting of Millennial Financial Apps

The financial services industry has seen a long line of “disruptors” emerge in the last decade. Often created by and for the Millennial market, these app-based payment and banking brands seek to simplify and streamline “traditional” banking products. These companies are not only providing alternatives for a generation that doesn't really trust big banks but also figuring out how to evolve with the changing needs of their loyal users.

Contactless card marketing from Chase & Visa

Contactless Cards Are Finally Ready for Prime Time (No, This Time We *Really* Mean It!)

Contactless payments have been something of a white whale for close to 20 years now: always out there, just about to catch-on, if only… But now, the majority of all in-person transactions in the U.S. take place on contactless-enabled terminals, customers are ready for a faster checkout *and* the nation’s largest issuer of credit cards recently announced plans to roll out 100 million contactless cards in 2019.

New Amex brand campaign

Don’t Launch a Global Brand Campaign Without It

The new campaign from American Express embraces the history of the brand while breaking from a long tradition of celebrity endorsements. In this execution, instead of seeing Tina Fey at the center (literally) of the spots, we see customers. Importantly, Amex embraces both consumer and business products with the dual-purpose tag line “Don’t Do Business / Live Life Without It.”

Using the Rails to Make a Co-Brand Credit Card Connection

Co-brand credit cards are supposed to be extensions of the master brand. It’s considered best practice to integrate elements all while creating a distinct product that consumers will want to use “off brand.” Amtrak excels at this in ways we don't always see.