Legacy secured credit models create friction for consumers and operational complexity for issuers, limiting the adoption of a product with enormous market potential. New research from PYMNTS Intelligence and SoFi Tech Solutions reveals how modern funding mechanics turn secured credit from a niche offering into a strategic growth opportunity — including how an instant collateral-backed credit card model can remove the double-funding barrier that stops most consumers from applying.
Download the full report to learn:
Why 45+ million underserved Americans need credit-building pathways
How dynamic funding eliminates "double funding" barriers
Why credit interchange matters in a Durbin-capped environment
Implementation steps for next-generation secured credit programs