Perception of Financial Services?

Card Builder is so powerful because it takes us out of the singularity of offer. Some consumers are offer-driven; others are design-driven.

Effectively inverts the DM channel, internally and externally lots of people this is crazy, rebels as Julie says, but Card Builder has taken off.

Overwhelming choice disables but smart choice empowers.

Julie: With so much negativity about financial services, have you seen people's reaction to your marketing shift?

Anas Osman: Yes, we are challenged. Our attitude is that we want to be where consumers go. Their needs are practical and emotional. We believe this type of tool, built serendipitously, is responded to very favorably.

Discover wins, he says, because we're on the side of the consumer. Best loyalty in industry. We win with the customer. We think as the nation's trend leans consumer, we're in a good place.

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