“For companies that maybe aren’t as interested in building their own experience or aren’t as product-focused, I think the traditional players offer a great solution for them. For the issuers that want to build and design their own experiences, an API solution like ours is really the only way to do that today.”

https://techcrunch.com/2022/04/28/kard-banks-fintechs-credit-card-rewards-programs-api/