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Final – A credit card built for the 21st century

getfinal.com

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Re: Final – A credit card built for the 21st century

#81

Post by toomuchtodo »

eli wrote: post #74
toomuchtodo wrote: post #69

Earlier quoted context omitted.

You're right; occasionally you'll find a collection agency that has their act together. Luckily, collection agencies purchase their debt for pennies on the dollar, so they're happy to get anything. Start by offering them 10% of the debt, and go from there up to no more than 25% of the debt, stipulating (in writing) that its "Pay For Delete". This will require them to remove the negative credit information from your c…

That isn't really something I would brag about, but good for you I guess.

Debt isn't a moral obligation, and to somehow frame it as such is dubious at best. If you as a debt owner or servicer can't keep your books straight, you have absolutely no business attempting to collect on a debt. If you're taking someone to court or attempting to take their wages, you better be damn sure you're in the right.

Re: Final – A credit card built for the 21st century

#82

Post by arfrank »

namityadav wrote: post #70

I was very interested in something like this few years back. But, my quick research showed me that (a) A company called Orbiscom (acquired by MasterCard) had patents in this space [1], and they are the ones behind Bank of America's ShopSafe and a few other such services offered by various banks. (b) Almost all of those services (except for ShopSafe) are now discontinued. Which indicates that either users don't care a…

The industry goes much deeper than that, and there are many vendors that also issue virtual cards via other methods. Checkout Wex & Conferma for a few.

A few big changes are happening on the backend of payments that we also plan on leveraging. See this spec if you want to learn more about them: http://www.emvco.com/specifications.aspx?id=263

Re: Final – A credit card built for the 21st century

#83

Post by arfrank »

ewoodrich wrote: post #56
arfrank wrote: post #10

Earlier quoted context omitted.

Thanks, looking into this right now.

It also appears to have a typo: Enter your emaill address for early access...

Thanks, editing the live code repo of our marketing site to make the CTA clearer

Re: Final – A credit card built for the 21st century

#84

Post by hammock »

untog wrote: post #4

Having panned Plastc yesterday, this is like night and day - where Plastc is trying to solve "I have too many credit cards in my wallet" with an overdose of technology, Final is solving an actual real problem (credit card fraud) with an intelligent use of technology. In fact, I don't even want a physical card (chip and pin will make that difficult anyway), I just want an online service that will generate a new credit…

Is credit card fraud really a big problem (for consumers I'm asking, not banks or merchants)? In my experience, chargebacks are pretty easy, debit or credit. Same with reporting a lost or stolen card and voiding any purchase made on it. And every credit card I've ever had has been remarkably proactive about alerting me to possible fraudulent activity.

Re: Final – A credit card built for the 21st century

#86

Post by vitamen »

tambourine_man wrote: post #22
donniefitz2 wrote: post #5

I have to say, the intro video for this was pretty good. Well done.

Honest question, what is it that people like about this persona often played by Adam Lisagor?

He feels anti-corporate, quirky but not annoyingly so. He absolutely has his own brand so where it once felt refreshing now it just feels sandwich, but it's not to a point where that's a bad thing.

Re: Final – A credit card built for the 21st century

#87

Post by arfrank »

leaveyou wrote: post #42
donniefitz2 wrote: post #5

I have to say, the intro video for this was pretty good. Well done.

I watched the video only after I saw your remark and I have to agree. It's the first advertisement in ages that nearly got me interested into what they have to sell. I usually can't stand a classic video presentation.

Thank you! Adam is a creative genius who knows the right way to convey complex messages. It took many iterations to get it just right, but he's the real star here.

Re: Final – A credit card built for the 21st century

#88

Post by bicknergseng »

"A credit card built for the 21st century" is an oxymoron. It's like saying a car phone built for the 21st century.

For the love of all that is holy and sacred, please eliminate the need to carry cards at all. Just let me pay with my phone. Put my drivers license, health insurance card, membership cards, gift cards, car keys, and payment methods into my phone. All of this already exists in some form or another, but Apple and Google have utterly failed to make it work in the real world outside of a few outliers like Starbucks.

It's 2014: there is no reason I should have to carry keys and a wallet when I have a modern cell phone. Eliminate paper receipts while you're at it; email them or aggregate in some other way digitally. Save 10 million trees.

Re: Final – A credit card built for the 21st century

#89

Post by riquito »

andrewdietrich wrote: post #59
pbreit wrote: post #17

Earlier quoted context omitted.

Disposable credit card numbers have been around for decades. The user experience has historically been miserable. Maybe this will be better. Doubt it.

Absolutely, virtual cards have been around for years. But we've researched the space extensively and did not find a product we like or could use consistently. So we built Final. Some of the better products out there exist for customers outside of the US.

As an european I'd like to know which are the best product (until you open your business) :-P

Re: Final – A credit card built for the 21st century

#90

Post by arfrank »

darkstar999 wrote: post #16

bigboxesofwine.gov doesn't exist. I am disappoint. This is awesome though. It's like what 33mail.com does for email addresses, but even better.

We started working on all the sites but ran out of time...my favorite is http://deluxesweaters.biz
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