- Credit cards that dominate the spending habits of so many consumers, from companies ranging from Mastercard to Visa and even Apple with their Apple Card, are slowly changing the way consumers have come to expect these card products.
- Credit cards are increasingly taking a vertical orientation.
- This happens when apps like TikTok and Instagram acclimate the world to a vertical scrolling feed, and it also reflects how most consumers use their credit cards anyway, for example, by inserting them into chip readers vertically.
Here’s something I bet you haven’t seen coming: TikTok and Instagram are such widespread cultural forces in today’s world, that they’re starting to quietly influence the design of credit cards, of all things.
In recent days, PayPal has launched new vertical debit and credit card designs for its Venmo app, which a company executive said was partly inspired by the vertical targeting of those popular social networking apps. . This was stated by Daniela Jorge, Vice President of Design at PayPal Bloomberg in a recent interview, that this is how everyone is thinking now. And what are people’s expectations for consumer apps and products like credit cards. “The world around us is increasingly portrait mode and vertical orientation,” Jorge said.
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In addition to PayPal, major banks are already moving in that direction. Bank of America, the second largest provider of debit card products in the United States, was one of the first to adopt a vertically oriented debit card. Similarly, Discovery Bank began offering vertical credit cards in 2018. And the reasons why we should expect this trend to continue, as more banks adopt a vertical style for their card products, include the fact which, with the advent of chip readers and payment application functionality, is how most people manage their cards.
With a chip reader, for example, the credit card is inserted into the reader vertically. Similarly, as digital wallets increase in popularity (cardholders are increasingly using a digital version of their credit card that is stored on their smartphone), the phone becomes the most popular. device with which the consumer pays, instead of a physical card. And, of course, phones are used vertically. When Apple launched the new Apple Card credit card product, I didn’t even bother to get a physical version of the card. I checked in and had my credit card approved, which I keep in my iPhone’s wallet app and use it vertically, as I’m simply waving my phone in front of a card reader.
Think about the last time you handed the card to someone to slide the reader horizontally. It’s probably been a while, hasn’t it? Think now that two years after the introduction of these chip-enabled smart cards, Experian says U.S. banks have issued more than $ 855 million. Incidentally, they are called EMV cards, which were originally Europay, Mastercard and Visa, the credit card companies that created this new payment standard.
“Changing our debit cards to a vertical design is almost more than the look of the cards,” said April Schneider, head of consumer and small business at Bank of America. Bloomberg. “The vertical design differentiates the debit card from other cards used by customers, and the added touch to pay makes the card faster and safer to use in-store.”
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Andy is a reporter in Memphis who also contributes to outlets such as Fast Company and The Guardian. When you’re not writing about technology, you may find yourself crouching protectively over your growing vinyl collection, in addition to taking care of your whovianism and enjoying various TV shows you probably don’t like.