Octad provides end-to-end co-brand credit, digital banking and loyalty product and portfolio management for the next generation of consumer brands and fintechs.  Premier consumer brands are no longer forced to work with slow and stale 'big banks' or service providers that offer off-the-shelf co-branded credit and digital banking programs, nor will fintechs need to work with upwards of five entities to launch programs on their own. Octad includes product and CX-design, cutting edge marketing solutions, underwriting, processing, compliance, and complete product and portfolio management. Fintechs and consumer brands should never compromise experience when building or offering payment products – and they certainly shouldn't be forced to hire teams of people to manage programs that aren't core to their business. At Octad we leverage tech and data to support experiences that are an extension of our clients' brands. We believe that the experience should drive the tech - not the other way around. We certainly don't ask them to manage account acquisitions, collections, or compliance. We let our clients do what they do best.