Master Every Card Feature— And Stand Out in Digital Banking

An essential feature that gives users immediate control when a card is lost, stolen, or simply misplaced. Instant freezing and unfreezing provides reassurance and security—yet many institutions still don’t offer it, leaving a critical gap in the digital experience. Banks that include this capability empower users with confidence and set a higher standard for modern card management.

A must-have feature that remains surprisingly absent in many banking apps. Its absence creates unnecessary friction and exposes gaps in the onboarding experience. Institutions that offer seamless card activation simplify everyday banking, modernize their digital touchpoints, and signal a commitment to staying competitive in digital innovation.

A relatively unique feature set that remains rare despite offering instant access, added security, and seamless payments. These capabilities give users greater control and peace of mind while positioning institutions at the forefront of digital banking innovation. Their growing importance highlights how many high-impact opportunities remain untapped—opportunities that FinTech Insights helps uncover across the market.

With subscriptions woven into everyday spending, users increasingly expect a clear way to track and manage them—but only 8% of banks provide a dedicated view. Offering this simple, centralized space helps customers stay organized, understand their recurring costs, and maintain better control over their finances. Institutions that enable subscription management deliver greater transparency and empower users with a more confident, informed banking experience.

A memorable, nice-to-have feature that brings personalization into the banking experience. Allowing users to choose colors, patterns, or even upload their own card design adds a layer of individuality rarely offered—only about 13% of banks on FinTech Insights support it. This small creative touch can make banking feel more engaging and distinctive, leaving a lasting impression on users.