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With its authoritative woes abaft it — and the acqui-hire of fintech startup Pariti — Tandem‘s artefact roadmap appears to be acrimonious up pace.

The amateur coffer founded by Ricky Knox has launched its additional acclaim agenda today, this time targeting bodies in the U.K. who accept yet to body up a acclaim history at all. Acclaim cards are already one of the best able means of convalescent your acclaim annual (presuming you are accustomed for one and consistently accord on time, of course) and it seems that Tandem wants a allotment of that action.

Dubbed the “Journey Card,” Tandem says the new acclaim agenda is “a way for those who haven’t had acclaim afore to body up a able acclaim profile”. The cipher coffer says it is borer into a altitude area bodies are realising the accent of acclaim array for architecture a bigger approaching and how capital a appropriate acclaim annual is aback demography out added acclaim such as a car loan, mortgage and added longer-term cyberbanking products.

However, although the new Journey Agenda shares the aforementioned low FX fees aback spending abroad, there are some key differences compared to the aboriginal Tandem Cashback Card. These accommodate no banknote back, for starters, and what appears to be a college APR in acceptance of the college accident Tandem is demography on.

With that said, both cards accommodate with the Tandem adaptable cyberbanking app, which acts as a Personal Finance Manager (PFM), including absolution you accumulated your non-Tandem coffer annual abstracts from added coffer accounts or acclaim cards you ability have. Very afresh the app has appear a deluge of updates (including agenda statements, at last!), and these accommodate some advantageous allotment tools, which sits able-bodied alongside a acclaim agenda advised to advice you body your acclaim score.

Meanwhile, it is acceptable clearer that Tandem sees customer acclaim as its “attack vector” in the customer cyberbanking space, as against to alms a accepted annual or pre-paid/debit card, although I wouldn’t be afraid to see the amateur coffer go there eventually. It already offers a fixed-saver account, afterwards all.

Says Ricky Knox, CEO of Tandem: “The affiliation of acclaim articles into our app is a game-changer for the industry. Our competitors accept launched some abundant pre-loaded and debit cards, but we will own acclaim in this space”.

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