Convergent Cobrand Partnership Platform
Convergent revolutionizes credit card partnerships for prime and underserved market segments. The platform is optimized for partnership experiences, and it provides a full banking stack with both cobrand credit and debit card issuance.
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Focused on Great Customer Experiences
Program Design Expertise
Our veteran team knows how to design successful cobrand programs.
Unique Tech Features
Technology is built to provide maximum usability with unique features like cross-border remittance built in.
Rapid Deployment
Platform launches within 90 days—no development delays, technical risks, or unproven infrastructure.
Tight Integration & Embedded Functionality
User experiences can be completely embedded in our partners' apps and websites.
Exceptional Leadership Team with 150+ Years of Experience
Convergent's leadership combines deep institutional expertise with proven entrepreneurial success. Our team has built two fintech card issuers from the ground up, managed billions in credit portfolios, and established hundreds of strategic partnerships across the financial services ecosystem.
Dan Duncan, CEO
40 years in financial services. Founded Mercury Financial and Concerto. Led risk management at Chase, Household Finance, and Citibank.
Dave O'Connell, Partners
32 years managing partnerships. Ran Upromise and multiple businesses at Sallie Mae, developing hundreds of strategic relationships.
Atul Khemuka, CPO
20+ years in analytics and product development. Scaled direct marketing and analytics operations at Mercury Financial and Barclaycard.
Innovative Banking and Rewards For Exceptional Brands
Major banks prioritize travel rewards programs and massive deal sizes, leaving mid-market cobrands—from retail chains to sports franchises—without financial partners. We embrace these brands and see opportunity for specialized programs designed to delight these partners.

Market Reality: Large banks prefer travel programs and prioritize their own branded products over partnerships. This leaves exceptional mid-market cobrand opportunities without viable banking partners.
Embedded Finance at Scale
Convergent has a card issuing platform specifically designed to support exceptional credit and debit card partnerships. Unlike generic issuing platforms, our technology laser-focuses on delivering satisfying and financially rewarding experiences for both partners and cardholders.
The platform enables true embedded finance—seamlessly integrating within partners' existing customer experiences and native applications. This approach creates frictionless cardholder journeys while deepening brand loyalty and engagement.
Tailored Card Products
Unique rewards structures, pricing strategies, and features designed to excite customers and authentically reflect partner brand values.
True Embedded Finance
Seamlessly integrated within partners' existing customer experiences and native mobile applications with single sign-on capabilities.
Broad Market Coverage
Consumer and small business credit cards across the full credit spectrum, qualifying more customers and maximizing partner revenue.
Enhanced Brand Loyalty
Increased brand exposure and customer engagement through financial relationship deepening, driving lifetime value for partners.