{"id":522397,"date":"2026-02-05T14:30:00","date_gmt":"2026-02-05T19:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=522397"},"modified":"2026-02-05T13:47:26","modified_gmt":"2026-02-05T18:47:26","slug":"bank-of-america-overhauls-credit-card-program-to-boost-customer-base","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/","title":{"rendered":"Bank of America Overhauls Credit Card Program to Boost Customer Base"},"content":{"rendered":"\n<p>Despite recent contention over interest rates and transaction fees, credit cards remain firmly entrenched in the U.S. payments landscape. To capitalize on this ubiquity, Bank of America is undertaking a credit card revamp aimed at driving profits to new heights.<\/p>\n\n\n\n<p>A central force behind <a href=\"https:\/\/finance.yahoo.com\/news\/bofa-reworks-credit-cards-fuel-114000513.html\" target=\"_blank\" rel=\"noreferrer noopener\">this overhaul<\/a> is artificial intelligence. The bank plans to leverage AI to identify and attract new customers, while also encouraging existing clients to deepen their relationship with Bank of America.<\/p>\n\n\n\n<p>Another key aspect of the redesign is offering tailored incentives to customers with higher account balances, a strategy long favored by credit card issuers.<\/p>\n\n\n\n<p>\u201cBank of America\u2019s strategy to further their rewards program with incentives on customer deposits enhances their strategy to leverage the credit card as a comprehensive tool for customer management,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/brian-riley\" target=\"_blank\" rel=\"noreferrer noopener\">Brian Riley<\/a>, Director of Credit and Co-Head of Payments at Javelin Strategy &amp; Research. \u201cIt expands a program they deployed for the past couple of years, and the timing is right.\u201d<\/p>\n\n\n\n<p>\u201cInstead of simply associating rewards with card purchases, it considers deposit relationships and adds point accelerators,\u201d he said. \u201cThis allows the issuer to add incremental value to consumer deposits and reward customers for their banking relationship. It is not new to Bank of America, and the functionality has been proven in the field.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-squeezing-more-value\">Squeezing More Value<\/h2>\n\n\n\n<p>Recent years of high inflation and interest rates have <a href=\"https:\/\/www.paymentsjournal.com\/what-premium-card-overhauls-by-chase-and-amex-reveal-about-the-credit-card-market\/\">pushed consumers toward credit cards<\/a>, driving balances upward and prompting issuers to tighten lending standards, lower credit limits, and prioritize stable customers.<\/p>\n\n\n\n<p>\u201cThe timing is perfect from two perspectives,\u201d Riley said. \u201cFirst, it targets premium and luxury cardholders that pay large annual fees, such as Amex Platinum, Chase Sapphire, and Citi Strata. Secondly, with pressure on credit card rates looming, it is a way to squeeze more value out of the relationship for both the issuer and the cardholder.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-more-than-risk-mitigation\">More Than Risk Mitigation<\/h2>\n\n\n\n<p>While interest rate pressures are <a href=\"https:\/\/www.paymentsjournal.com\/10-credit-cards-a-roadmap-for-issuers\/\">not inevitable<\/a>, many banks are preparing for a potential 10% cap on credit card rates. However, Bank of America\u2019s strategy extends beyond risk mitigation The company has set an ambitious target: growing its customer base from 69 million to 75 million in four years.<\/p>\n\n\n\n<p>One approach is using AI to gather deeper insights about prospective customers and <a href=\"https:\/\/www.paymentsjournal.com\/digital-transformation-and-the-challenge-of-differentiation-for-fis\/\">deliver personalized offers<\/a> at pivotal life moments, such as marriage or purchasing a home.<\/p>\n\n\n\n<p>Ultimately, Bank of America aims to provide individualized underwriting for each customer. Once achieved, the bank has another ambitious goal: raising consumer unit profits to $20 billion\u2014something that has only been accomplished twice in U.S. banking history.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Despite recent contention over interest rates and transaction fees, credit cards remain firmly entrenched in the U.S. payments landscape. To capitalize on this ubiquity, Bank of America is undertaking a credit card revamp aimed at driving profits to new heights. A central force behind this overhaul is artificial intelligence. The bank plans to leverage AI [&hellip;]<\/p>\n","protected":false},"author":8464,"featured_media":522398,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1259"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1259,64830,1280],"tags":[299],"class_list":["post-522397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-credit","category-credit-cards","category-digital-banking","tag-bank-of-america"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bank of America Overhauls Credit Cards to Boost Customer Base<\/title>\n<meta name=\"description\" content=\"Bank of America is undertaking a credit card revamp to drive profits to new heights and reach a new customer base.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank of America Overhauls Credit Card Program to Boost Customer Base\" \/>\n<meta property=\"og:description\" content=\"Bank of America is undertaking a credit card revamp to drive profits to new heights and reach a new customer base.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-05T19:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/people-taking-part-high-protocol-event-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Wesley Grant\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wesley Grant\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/\"},\"author\":{\"name\":\"Wesley Grant\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/56ed2b8956715e765cbbfdbf0f221dde\"},\"headline\":\"Bank of America Overhauls Credit Card Program to Boost Customer Base\",\"datePublished\":\"2026-02-05T19:30:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/\"},\"wordCount\":432,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/people-taking-part-high-protocol-event-scaled.jpg\",\"keywords\":[\"Bank of America\"],\"articleSection\":[\"Analysts Coverage\",\"Credit\",\"Credit Cards\",\"Digital Banking\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/\",\"name\":\"Bank of America Overhauls Credit Cards to Boost Customer Base\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/people-taking-part-high-protocol-event-scaled.jpg\",\"datePublished\":\"2026-02-05T19:30:00+00:00\",\"description\":\"Bank of America is undertaking a credit card revamp to drive profits to new heights and reach a new customer base.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/people-taking-part-high-protocol-event-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/people-taking-part-high-protocol-event-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"bank of america credit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank of America Overhauls Credit Card Program to Boost Customer Base\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/56ed2b8956715e765cbbfdbf0f221dde\",\"name\":\"Wesley Grant\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"caption\":\"Wesley Grant\"},\"description\":\"Wesley Grant serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/wesley-grant\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Bank of America Overhauls Credit Cards to Boost Customer Base","description":"Bank of America is undertaking a credit card revamp to drive profits to new heights and reach a new customer base.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/","og_locale":"en_US","og_type":"article","og_title":"Bank of America Overhauls Credit Card Program to Boost Customer Base","og_description":"Bank of America is undertaking a credit card revamp to drive profits to new heights and reach a new customer base.","og_url":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-02-05T19:30:00+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/people-taking-part-high-protocol-event-scaled.jpg","type":"image\/jpeg"}],"author":"Wesley Grant","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Wesley Grant","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/"},"author":{"name":"Wesley Grant","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/56ed2b8956715e765cbbfdbf0f221dde"},"headline":"Bank of America Overhauls Credit Card Program to Boost Customer Base","datePublished":"2026-02-05T19:30:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/"},"wordCount":432,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/people-taking-part-high-protocol-event-scaled.jpg","keywords":["Bank of America"],"articleSection":["Analysts Coverage","Credit","Credit Cards","Digital Banking"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/","url":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/","name":"Bank of America Overhauls Credit Cards to Boost Customer Base","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/people-taking-part-high-protocol-event-scaled.jpg","datePublished":"2026-02-05T19:30:00+00:00","description":"Bank of America is undertaking a credit card revamp to drive profits to new heights and reach a new customer base.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/people-taking-part-high-protocol-event-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/people-taking-part-high-protocol-event-scaled.jpg","width":2560,"height":1707,"caption":"bank of america credit"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/bank-of-america-overhauls-credit-card-program-to-boost-customer-base\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Bank of America Overhauls Credit Card Program to Boost Customer Base"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/56ed2b8956715e765cbbfdbf0f221dde","name":"Wesley Grant","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","caption":"Wesley Grant"},"description":"Wesley Grant serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/wesley-grant\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/522397","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8464"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=522397"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/522397\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/522398"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=522397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=522397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=522397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}