![]() You no longer have to get up to find your physical card to grab your CVV and expiration date. The next time you're shopping online on Chrome or on an Android, you'll see an option to use your Capital One virtual card where you're used to seeing your actual credit card numbers. Ours is a foundation of APIs, Machine Learning, and serverless technologies A peak always sits on a strong foundation. However this is just one part of the mountain. No extension required, it just works when you need it where you need it. First enabled by our browser extension, virtual cards were then made available on our mobile app, our web apps, and now, through the collaboration with Google - Capital One credit cardholders can use virtual cards from Capital One quickly and easily on Chrome or Android anytime they're checking out at a merchant. We built the platform on highly resilient technology, with tremendous flexibility and performance potential. So we took the bet, and built a peak in the clouds. ![]() We knew this would become a potential new paradigm and more central to our business than many were thinking about at the time. ![]() We felt this was going to be an innovation in the market to enable our customers to transform how they interacted with their credit card from an analog concept to a truly digital experience. We started our tech transformation several years prior and after surveying the market solutions, we decided we would build our own virtual card platform in-house and from the ground up. When we first started this journey to virtual cards in 2017, we took a strategic bet. See what I did there? Capital One has been an innovator in the industry with virtual cards ![]() With the newly announced virtual card feature built directly into Google Chrome and Android, the mountain of Capital One's digital transformation is peaking through the “clouds”. That’s until one day when the “mountains are out”, then you see how it all adds up. These types of efforts on such grand terms are often scary, risk prone, and you don't see the incremental benefits at each step. This is just one recent step in our technology journey alongside our cultural transformation to adopt agile and product management, our unflagging focus on customer and user experience by making design and user research as high of a priority as tech investment, and our data evolution to become a machine learning first company. This is an apt analogy for a digital transformation.Ĭapital One is the very first bank to be all in on the public cloud, closing down our last data centers in 2021. ![]() Then I could see clearly that I was surrounded by greatness all along. It wasn’t until the last day of our visit that the weather cleared up and “the mountains were out”. Being a kid from the DC area where the closest mountains we see are more like hills, I was excited. It reminded me of when I first visited my brother in Seattle in the late 90’s, I remember him telling me you could see huge mountains from his home. We believe that this is a great win for our customers and is a landmark in bringing the simplicity and security of virtual cards to everyone. Now, Capital One credit cardholders can quickly add their credit card to Google Pay and start using virtual cards when checking out on Chrome or Android. Capital One and Google are working together to make online shopping even more convenient and secure. ![]()
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