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Mobile and digital technology are expanding use cases for reloadable prepaid cards beyond their heritage as a tool primarily for the unbanked consumers. Furthermore, mobile commerce is driving broader acceptance of digital versions of both prepaid and retail gift cards.

Fintechs increasingly use prepaid cards to access card network rails for new payment products ranging from corporate disbursements to gig-worker payments, and the customizable nature of prepaid cards holds significant promise for connected commerce within the Internet of Things.

What follows is a look at the key trends driving further changes in prepaid and gift cards.