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Unbanked Mobile Credit Cards

The 'boon' App Allows French Consumers to Use Credit Without a Bank

— April 12, 2017 — Tech
The boon app is a piece of fintech software newly available to French consumers that makes it easier for anyone to take advantage of the convenience that mobile, wireless payment offers. The app, which functions in conjunction with one's Apple Pay Wallet, gives any user access to a virtual credit card, regardless of their financial arrangements.

For many, banking is simply one more drop in the bucket of liquid tedium that is adult life. Others have seen the light, however, and these sage financial gurus opt to forgo banks altogether. One unfortunate issue that unbanked folks do face is potentially getting boxed out from the latest fintech innovations. The boon app circumvents that issue, giving those who choose to remain unbanked the option to open up a virtual Mastercard and make payments on it (and with it) entirely through their Apple Pay Wallet.
Trend Themes
1. Virtual Credit Cards - The increase in popularity of apps like boon that offer virtual credit cards opens up opportunities for disrupting traditional banking models by providing alternative payment solutions for unbanked individuals.
2. Fintech Innovation - The boon app showcases the potential for fintech companies to create innovative solutions for consumers who choose to forgo traditional banking services.
3. Mobile Payment Convenience - Apps like boon that enable mobile payment options through virtual credit cards provide users with a convenient and seamless way to make payments without the need for physical banking accounts.
Industry Implications
1. Fintech - The boon app and similar fintech innovations have the potential to disrupt the traditional banking industry by offering alternative financial solutions to unbanked individuals.
2. Mobile Banking - The rise of virtual credit card apps like boon highlights the opportunities for disruption within the mobile banking industry, as it provides a new approach to making payments and managing finances.
3. Payment Technology - Apps like boon that leverage mobile payment technologies and virtual credit cards present opportunities for disruption within the payment technology industry by providing alternative payment solutions to a wider range of consumers.
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