“One Card to Replace Them All”: Investigating a Business Concept Centered on Credit Card Optimization

Date

2024

Authors

Menon, Rohan

Journal Title

Journal ISSN

Volume Title

Publisher

University of Oregon

Abstract

This study investigates a business concept centered on credit card optimization. It addresses four distinct but intimately related questions. First, does the average American consumer optimally use the credit card system? Second, if they do not, how can a business concept help the average American consumer realize the financial windfall that comes with optimal use? Third, is such a business concept technically feasible? And fourth, if it is, would pursuit of that business concept be likely to realize economic success? In answering each of these questions, this research will demonstrate that American consumers stand to benefit from credit card optimization, that a business concept built around synchronizing credit card use is both technically and economically feasible, and that the underlying thesis behind this study is correct: a strategic business concept built around creating “one card to replace them all” is likely to succeed if pursued.

Description

55 pages

Keywords

OneCard, credit optimization, fintech, credit cards, business creation

Citation