EXCLUSIVE—Greenlight Financial Technology Inc., a PFM that provides “smart debit cards” to more than 100,000 users to begin financial literacy conversations with their children, is launching a credit product.

“We’re working on several things for 2018—what we’re doing seems to be resonating,” Greenlight CEO and co-founder Tim Sheehan told Bank Innovation. “Credit is interesting, investing is interesting…as an adult, we need to understand these things well, know how to spend wisely, and understand that it’s important to save down the road.”

The credit product is expected to launch within the next year.

Greenlight currently offers a smart debit card, which allows parents to set spending limits, set money to be spent at certain stores — like at a college bookstore, as opposed to “less scholarly” places, for instance. Greenlight also comes with a savings account, where parents can also set their child’s APR.

Greenlight has raised $23.5 million of venture funding to date from, among other investors, the Amazon Alexa Fund and Ally Financial.

Greenlight’s push into credit raises questions around financial choices. Specifically, how do you make sure banking consumers are making positive financial choices? This is a question that many in banking have tried to solve for decades, and now, several fintechs are attempting to solve.

Blast, another mobile app, uses gamification to help users save. Blast, which last week launched a beta on Android with about 1,000 users, is targeting a crop of “under-served” users traditionally reluctant to save by allowing users to submerge those tasks into traditional gameplay, rather than highlighting them like Greenlight, said Walter Cruttenden, CEO of Blast and chairman for financial budgeting service Acorns. Blast’s target demographic is millennial gamers.

“We found that consumers certainly want to be saving more,” Cruttenden said. However, when asked, the app’s target millennial gamer-consumers stated that saving “was hard, and it was boring,” he said.

Another key difference between the two apps is the age demographic: the most common age for children using Greenlight’s smart debit card is about 12 to 13, Sheehan said, though ages can range from eight to college age.

Blast, which works with all of the games currently available in the Google Play store (a Google partnership was not required for this, the company said), allows users to save an amount of their choice—known as Savings Triggers—whenever they complete a certain task in the game, Cruttenden said. Users can also win money on the app’s leaderboard, which pays prizes to the top gamers, as well as other methods of earning dividends or saving.

The app is also “bank agnostic,” Stephen Tyszka, co-founder and chief strategy officer for Blast, told Bank Innovation, working with more than 20,000 banks. It is set to launch out of beta in about 45 days, Tyszka said, starting with Android devices.

Blast just opened its beta last week, while Greenlight was officially launched in January 2017.

“Some parents have said that they love the conversations Greenlight is prompting, things like paying with debit versus credit simply because the child asked,” Sheehan said. “Discussion on simple things, like [credit], like tipping, could lead to lots of other topics.”

Aside from credit and investing, Greenlight is also looking at other areas of finance further down its roadmap, like student lending, Sheehan said. Greenlight is interested in “helping parents to save for college,” Sheehan said, though there are no definitive plans to move into that space as yet.

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