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I've seen a ton of great threads covering fintech trends and product innovation lately.

This is not that thread.

Instead, I went down a rabbit hole to find what fintechs and FIs use as the default cardholder name on their cards.

Erase the Sunday Scaries with this 🧵

I first thought about this because I remembered that at Chime, we used a totally random default cardholder name. Turns out, we're not alone:

💸 US Challenger Banks 💸

  • "Caty Mitchell" - Chime

  • "Alex Rams" - Point

  • "Joshua Miller" - Varo

  • "Your Name Here" - Current*

*Try harder

🏦Big Banks 🏦

If there's one thing challengers DID learn from incumbents (@AlexH_Johnson - won't put Chime in this bucket!), it's that random cardholder names are fun:

  • "D. Barrett" - Chase

  • "Henry Wells" - Wells Fargo

  • "Linda Walker" - Citi

  • "Chris L. Martin" - Bank of America

💳Payment Networks 💳

I'm sure the payment networks tried to one up banks, because they've got some gems:

  • "Cindy Campell" - PayPal

  • "Lee M. Cardholder" - Mastercard

  • "C.F. Frost" - American Express

  • "Cardholder Name" - Green Dot*

*They have a cash deposit network so they fit!

💶International challengers 💶

The international fintechs probably wanted to join in on the fun that US challengers were having:

  • "Gabriela Lima" - Nubank

  • "Monzo Bank" - Monzo

  • "A Cardholder" - Monese*

  • "Card Holder" - Revolut*

*Not the most innovative feature

🪙 Crypto companies 🪙

And of course, the crypto firms wanted to contribute in the only way they know how:

  • "Satoshi Nakamoto" - Coinbase

  • "Satoshi Nakamoto" - Binance

  • "Satoshi Nakamoto" - WireX

  • "Satoshi Nakamoto" - BitPay

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