The product has almost no functionality and scalability - far behind any competition. They rely fully on their partners (who are also competitors) to stay afloat, and their partners are slowly realizing this. While some of the banks Kard works with are big names, their reach is extremely small. Kard relies 100% on their partners to bring in reach. The sales team struggles to bring on enterprise brands, which is the only way this company will survive. Churn rate is probably 75%-90% Be wary in the interviews, they tell you they work with XYZ, but chances are they actually don't and/or they aren't customer anymore