After twenty-five years in the credit card business, Capital One has earned its place in wallets across the world. When the company’s two young founders set out to individualize credit, the financial world thought they were crazy… until it was clear that they weren’t.
Working in the banking industry, Richard Fairbank and Nigel Morris saw that the one-size-fits all standard that the credit card companies employed was leaving big money on the table. They cracked the code and figured out how to customize the credit card experience by offering personalized designs, credit limits, and rewards, revolutionizing the way the credit card industry operated.
Known for their ubiquitous advertising campaigns with A-list talent such as Jennifer Garner and Samuel L. Jackson, the youngest bank in the business wasonce turned down by every one of their competitors buthas since grown to dominate the industry.
Through the story of Capital One, you’ll learn:
- How to recognize underserved sections of a market.
- How rejection by every company in the business doesn’t mean it’s time to quit.
- How to determine what people want and how to get it to them.
- And how to employ marketing campaigns that will change the way people live.
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Table of Contents
Capital One Timeline viii
1 The Founders' Story 1
2 Rapid Expansion and Market Domination 35
3 From Startup Era to Recession to Too Big to Fail 57
4 Changing Technology 81
5 Capital One Today 97
Business Lessons and Opportunities 123
Introduction from The Sephora Story 143