Employer Partnerships Target mid to large employers to offer Step as a financial wellness benefit, leveraging direct deposit capabilities and educational initiatives to accelerate user growth among the Step customer base.

Card & Merchant Growth Expand the Step Black Visa Card program through broader merchant partnerships and merchant-funded offers to sustain high cashback rates and increase card usage.

Cloud Security With a cloud-native stack (Google Cloud, Kubernetes, Terraform), position as a provider of security, fraud prevention, and compliance solutions tailored for fintechs scaling their platforms.

Data Engagement Capitalize on in-app balance and transaction data to deliver personalized budgeting insights, targeted offers, and lifecycle marketing to boost retention and value per user.

Credit Education Leverage Step’s mission to improve financial literacy by integrating credit-building tools, credit monitoring, and educational partnerships to broaden adoption among young adults.