The security of our customers is a big focus here at Final and that focus drives everything from our password policy to how we manage customer data and how we harden our servers. In addition to picking a good password, one of the best things customers can do to protect accounts from unauthorized access is enable Two Factor Authentication (2FA). While we have always offered SMS-based 2FA as an option, we recently added Time-based One Time Pad (TOTP) 2FA and recommend our customers transition to it, if possible. In this article I will explain what 2FA is and why it’s important, how SMS-based and TOTP-based 2FA work, and why we are recommending everyone transition to TOTP.
(1,705 words) - [Trust Wells Fargo with your Finances? No Thanks.](/content/company-news/2017/07/25/trust-wells-no-thanks/index.html):We know what you’re thinking: another day, another data breach…
(614 words) - [Rethinking what it is to be a credit card in 2017](/content/company-news/2017/06/30/rethinking-what-it-is-to-be-a-credit-card/index.html):At Final we spend a lot of time thinking about what it means to be a new credit card issuer in this day and age.
(342 words) - [Top 7 Resources for Great Travel Experiences](/content/company-news/2017/08/24/travel-resources/index.html):We love to travel at Final - heck, it’s even a part of our origin story! However, we are still start-up employees on a budget, so we’ve found some great resources online to save money while seeing more of the world.
(305 words) - [Warning: You May Have an Error in Your Credit Report](/content/company-news/2017/08/31/credit-report-warning/index.html):I’m the kind of person who’s very hands on with personal finance: I budget and track spending carefully on Mint, review credit card statements every month to avoid grey charges, and periodically monitor my credit score on various free apps. Since I graduated college, I thought I had been doing my due diligence and taking all necessary precautions to both save money and spot fraudulent transactions. However, little did I know that I was missing one crucial component: reviewing my official credit reports.
(498 words) - [Fintech First Impressions](/content/company-news/2017/08/14/fintech-first-impressions/index.html):No one ever truly knows what to expect from their first job out of college. Going to school for Hospitality Management, all of my jobs up until now have been hospitality based. But as anyone in the Hospitality industry knows; plans change.
(720 words) - [Announcing our public launch!](/content/company-news/2017/06/06/announcing-our-public-launch/index.html):About a year ago, Final announced that our “waitlist-only” beta was live.
This was a momentous occasion for us as a company, and for our earliest adopters. Since then, thousands have signed up, learned how incredible a credit card can be and helped us vastly improve our offering.
Today, we’re proud to announce that we are opening applications to the public and reducing the annual fee on our incredible product - based on cardholder feedback - from $49 to… $0!!!
(326 words) - [Transaction Processing](/content/company-news/2017/07/20/transaction-processing-flow/index.html):The time between handing your card over to a merchant and your transaction being completed is fairly minimal - but a lot goes on behind the scenes! Take a look at this infographic to learn about all of the steps (and institutions!) involved in making your transaction work.
(62 words) - [Final launches credit card to compete with American Express, Chase!](/content/company-news/2017/06/20/final-launches-credit-card/index.html):OAKLAND, Calif. - June 20, 2017 - Final (https://getfinal.com), the Oakland-based credit card technology company has publicly launched its first product. Final aims to directly challenge the largest card issuers in the country - according to its CEO Aaron Frank, the company is building an “American Express for the digital era.”
(363 words) - [Top 3 Resources for Picking a New Credit Card](/content/company-news/2017/08/10/top-3-resources-new-credit-card/index.html):The average American has 2-3 credit cards in their wallet (source). We know that soon, one is going to be a Final card - but how do you pick the others? We compiled some great resources on picking a new credit card that we wanted to share with you:
(207 words) - [Final on Product Hunt](/content/company-news/2017/07/12/final-product-hunt/index.html):
Final, the fintech company bringing transparency, control and security to credit cards, announces today Apple Pay availability for its cardholders. Through Apple Pay’s easy and secure payments on the web or in-person, Final is helping digital-age consumers take back control of their credit cards. In addition, Final is introducing advanced controls for its merchant-locked virtual cards, allowing cardholders to set custom monthly or lifetime spend limits for merchants like Netflix, Amazon and Lyft, furthering their level of control over card spend.
Fraudulent transactions made online or via phone increased 40 percent over the last year, making today’s consumer exceptionally more vulnerable to security breaches and hacks. Grey charges plague customers, when they forget about subscriptions or have services raise recurring prices without notice. Final’s proprietary technology reduces the hassles and headaches that come with a compromised account and grey charges. At its core, Final was created to make credit card users’ lives easier and provide a fundamentally better card experience than is offered today – shouldn’t your credit card company aim to do that?
(381 words) - [Oakland Proud!](/content/company-news/2017/07/06/oakland-proud/index.html):A few of us at Final had the privilege of meeting with Mayor Libby Schaaf earlier this week, and we couldn’t help but share our joy with you.
(120 words) - [Are you Financially Literate?](/content/company-news/2017/08/30/financial-literacy/index.html):Sometimes, team bonding looks a little different at a FinTech company. Recently, we came across WalletHub’s great WalletLiteracy quiz and thought it might be fun to take it and compare our scores. Here’s what we found:
(291 words) - [Cut Back on Grey Charges to Save Money](/content/company-news/2017/08/22/grey-charges-infographic/index.html):If you’re looking to save some money quickly, checking your bank statements for grey charges is the way to go. Read on to learn more about how to stop and prevent grey charges!
(53 words) - [A Final Farewell](/content/company-news/2017/12/06/a-final-farewell/index.html):Cardholders, family, and friends:
(326 words) - [Breach Best Practices](/content/company-news/2017/07/27/breach-best-practices/index.html):Do you know what to do if a breach happens to you? If not, check out this infographic!
(33 words) - [Pause on Applications](/content/company-news/2017/10/17/application-pause/index.html):You may have noticed that we’ve switched our application process to be invite-only - while we know that may disappoint some of your friends who were thinking about applying, we promise it’s for a good reason. After being live for almost a year and a half (wow!), we felt like we’ve learned quite a bit about how we could improve our application processes, both externally and internally. To make as clean as possible of a transition between the old and the new, we’ve decided to temporarily pause applications. We can’t wait for you to see what we’re working on - stay tuned!
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