Acquiring new customers is one of the most important aspects of sustaining a credit card business and one of the costliest areas of the marketing budget. Issuers must always stay in tune with new trends in card marketing and onboarding as well as the value proposition of their card products to make sure they remain competitive in an increasingly crowded market. The ongoing paradigm of digitalization continues to inform strategic initiatives that maximize investments in digital channel marketing and digitizing the credit card application process, and for good reason. Customer acquisition is expensive and digital channels create possibilities to lower costs. We also know that digital experiences are favored by younger generations of consumers, who will be the next credit card customers and have an affinity for their mobile devices.