While bank cards have been around for decades, the strategies to effectively differentiate them — and market them — have not kept up with the times. Kelly Payne, the Chief Marketing Officer at MOCA Financial, talks about the lessons financial institutions can put into play today, and how to move beyond the “mailbox money” mentality that has defined this category for too long. In assessing the situation, Payne calls on banks to be more imaginative, proactive and daring.