Consumers now have many ways to pay. Credit and Debit Cards issued by Banks, Fintechs as well as BNPL platforms all compete to be top-of-wallet to earn interchange fee and loyalty of their customers. The biggest problem these FIs face is activation and wallet-share. We choose to work on solving this problem because our proprietary location technology allows us to know what each customer wants to buy and when they’re about to make a purchase before they take their wallet or phone out. The average number of payment options per person is increased in the last 5 years with the increased number of Digital, Neo, Challenger banks and BNPL platforms. The pace of new fintechs are accelerating as it’s becoming easier to utilize BaaS and Card-a-a-S to form new B2C fintechs. Thus, the wallet-share of each FI is being challenged even more each year.