There is a vibrant market within financial services serving the needs of children and teenagers. The offerings are not the clunky teen-card product constructs of the past, but are sophisticated super apps that allow users to spend, save, set financial goals, track chores, pay allowances, send money to friends, set aside money for charities, and even invest in the equities markets. The products rival the functionality of the most sophisticated banking apps intended for adults. However, cards for kids have added complexities including the need to adapt in functionality as kids age, parental controls, messaging tailored for kids, and the need to conform to unique compliance requirements.