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I first got the idea… when my wife and I were moving into a new house. We’d always been big fans of credit card rewards – having funded our honeymoon with them – and were looking for the best credit card to use to furnish our new home.

The whole process was difficult from start to finish: there was no easy way to compare rewards and check how many points we had already earned. I realised there was a gap in the market, and no one was taking advantage.

Kard is… a loyalty platform. It is our mission to help consumers maximise their rewards, while helping credit card companies increase their transaction revenue. Through our partnerships with over 500 merchants we provide a far more valuable reward-based system for our customers that is free for card issuers. Everyone is a winner.

Starting a business is tough but if you believe in yourself and have a network of supporters that believe in you too, you can make it happen.

I started the business because… I was working in the tech sector and really admired the founders of the company I was working for. They are both serial entrepreneurs and I wanted to be just like them – so I decided to take the leap and start my own business.

The scariest thing has been… the drastic change in a short space of time. I left a comfortable job where I’d been successful to go and work from my apartment without a salary. Starting a business is tough but if you believe in yourself and have a network of supporters that believe in you too, you can make it happen.

One of the most important things for a start-up is to… talk to everyone. I’m not a technical person, so I went to every networking event possible and convinced a few great people to come on board with me.

I also knew that understanding our market was integral to our success. So I grabbed a clipboard and walked around Washington Square Park – chatting to everyone and anyone about our idea. I needed some early validation before we had a live product on the market.

The highest point for Kard has been… signing our deal with Barclays. We always knew that getting a bank to engage with us would be one of the biggest barriers facing the business. So when we were able to convince a financial institution with the scale and reputation of Barclays to work with us, I could not have been happier.

Without Barclays’ help we would not be in the position that we are today.

The best thing about the Barclays Accelerator programme is… the relationship we’ve developed with Barclays. I can’t stress enough how helpful they’ve been – assisting us with growing our company, shaping our product and creating our business model. Through every stage of the process, Barclays has been there to lend a hand. Without Barclays’ help, we would not be in the position that we are today. 

The biggest challenge we face is the lack of focus in the industry on educating consumers about mortgages. Somewhat surprisingly, bankers don’t have to take a license exam to advise people on their mortgage – they may not even have a college degree. It’s time for people to understand the market and make informed decisions.

One of our highest points came recently when we helped a first-time buyer in Florida, just after Hurricane Irma. There had been a lot of tragedy, and the buyer was about to lose both their home and mortgage. It was a dire, desperate situation but we managed to sort everything and close a deal for him in record time. To know that you have come in and saved the day for somebody is a great feeling.

To become a successful entrepreneur, you need a combination of persistence, resilience and passion. You’ve got to be able to push through all the self-doubts, ignore the haters, and truly believe that what you’re working towards is unique and necessary. You need resilience to handle the turbulent nature of business. And finally: passion, because what is worth doing if you’re not passionate about it?

I decided to join the accelerator because I’d been in business my whole life, and knew absolutely nothing about venture capital. We chose Barclays because we were in awe at the fantastic resources they offer, and we knew there was so much that we could learn from them. We’ve benefited so much, with Barclays providing us with first class mentorship and guidance. Whenever we’ve needed them, they’ve been there.

My advice to other businesses hoping to join the Barclays accelerator is to do as much research as you can. Remember, although the programme’s aim is to help small businesses, Barclays also wants to better itself. You need to work out what you can offer them. How is your business valuable?

The most important lesson I’ve learnt is if you want to make it as an entrepreneur, there is no such thing as “good enough”. The competition is fierce, and we want to lead the pack.

The biggest challenge we face is the lack of focus in the industry on educating consumers about mortgages. Somewhat surprisingly, bankers don’t have to take a license exam to advise people on their mortgage – they may not even have a college degree. It’s time for people to understand the market and make informed decisions.

One of our highest points came recently when we helped a first-time buyer in Florida, just after Hurricane Irma. There had been a lot of tragedy, and the buyer was about to lose both their home and mortgage. It was a dire, desperate situation but we managed to sort everything and close a deal for him in record time. To know that you have come in and saved the day for somebody is a great feeling.

To become a successful entrepreneur, you need a combination of persistence, resilience and passion. You’ve got to be able to push through all the self-doubts, ignore the haters, and truly believe that what you’re working towards is unique and necessary. You need resilience to handle the turbulent nature of business. And finally: passion, because what is worth doing if you’re not passionate about it?

I decided to join the accelerator because I’d been in business my whole life, and knew absolutely nothing about venture capital. We chose Barclays because we were in awe at the fantastic resources they offer, and we knew there was so much that we could learn from them. We’ve benefited so much, with Barclays providing us with first class mentorship and guidance. Whenever we’ve needed them, they’ve been there.

My advice to other businesses hoping to join the Barclays accelerator is to do as much research as you can. Remember, although the programme’s aim is to help small businesses, Barclays also wants to better itself. You need to work out what you can offer them. How is your business valuable?

The most important lesson I’ve learnt is if you want to make it as an entrepreneur, there is no such thing as “good enough”. The competition is fierce, and we want to lead the pack.

The biggest challenge we face is the lack of focus in the industry on educating consumers about mortgages. Somewhat surprisingly, bankers don’t have to take a license exam to advise people on their mortgage – they may not even have a college degree. It’s time for people to understand the market and make informed decisions.

One of our highest points came recently when we helped a first-time buyer in Florida, just after Hurricane Irma. There had been a lot of tragedy, and the buyer was about to lose both their home and mortgage. It was a dire, desperate situation but we managed to sort everything and close a deal for him in record time. To know that you have come in and saved the day for somebody is a great feeling.

To become a successful entrepreneur, you need a combination of persistence, resilience and passion. You’ve got to be able to push through all the self-doubts, ignore the haters, and truly believe that what you’re working towards is unique and necessary. You need resilience to handle the turbulent nature of business. And finally: passion, because what is worth doing if you’re not passionate about it?

I decided to join the accelerator because I’d been in business my whole life, and knew absolutely nothing about venture capital. We chose Barclays because we were in awe at the fantastic resources they offer, and we knew there was so much that we could learn from them. We’ve benefited so much, with Barclays providing us with first class mentorship and guidance. Whenever we’ve needed them, they’ve been there.

My advice to other businesses hoping to join the Barclays accelerator is to do as much research as you can. Remember, although the programme’s aim is to help small businesses, Barclays also wants to better itself. You need to work out what you can offer them. How is your business valuable?

The most important lesson I’ve learnt is if you want to make it as an entrepreneur, there is no such thing as “good enough”. The competition is fierce, and we want to lead the pack.

The biggest challenge we face is the lack of focus in the industry on educating consumers about mortgages. Somewhat surprisingly, bankers don’t have to take a license exam to advise people on their mortgage – they may not even have a college degree. It’s time for people to understand the market and make informed decisions.

One of our highest points came recently when we helped a first-time buyer in Florida, just after Hurricane Irma. There had been a lot of tragedy, and the buyer was about to lose both their home and mortgage. It was a dire, desperate situation but we managed to sort everything and close a deal for him in record time. To know that you have come in and saved the day for somebody is a great feeling.

To become a successful entrepreneur, you need a combination of persistence, resilience and passion. You’ve got to be able to push through all the self-doubts, ignore the haters, and truly believe that what you’re working towards is unique and necessary. You need resilience to handle the turbulent nature of business. And finally: passion, because what is worth doing if you’re not passionate about it?

I decided to join the accelerator because I’d been in business my whole life, and knew absolutely nothing about venture capital. We chose Barclays because we were in awe at the fantastic resources they offer, and we knew there was so much that we could learn from them. We’ve benefited so much, with Barclays providing us with first class mentorship and guidance. Whenever we’ve needed them, they’ve been there.

My advice to other businesses hoping to join the Barclays accelerator is to do as much research as you can. Remember, although the programme’s aim is to help small businesses, Barclays also wants to better itself. You need to work out what you can offer them. How is your business valuable?

The most important lesson I’ve learnt is if you want to make it as an entrepreneur, there is no such thing as “good enough”. The competition is fierce, and we want to lead the pack.

Gamechangers: MortyGamechangers: Morty Gamechangers: ErnitGamechangers: Ernit Gamechangers: Alpha ExchangeGamechangers: Alpha Exchange
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