You may have noticed that the credit card number has moved from the front to the back of the card. This makes it easier for users to share photos of their cards on social media as an additional signaling distribution channel.
It’s hard to compete with big social networks head-on these days. The network effects of those giant social networks are so strong, a straight-on challenge seems, well, challenging. But there is lots of opportunity to focus on one user niche or one specific form factor.