Most companies looking to get into credit are trying to build 2026 credit solutions on infrastructure that was never designed for it. That gap is the subject of this conversation between Kevin Fox, Chief Revenue Officer at Thredd, and Scott Johnson, President of the Card Division at LoanPro.

They cover why legacy, monolithic platforms turn every product decision into a roadmap request, what actually separates a debit-first stack from one built to handle revolving credit, and where lenders and programme managers get caught out when they treat credit as an extension of debit rather than a different infrastructure problem entirely.

What this conversation covers

• Why grown-through-acquisition legacy platforms slow down every configuration change, and what that costs in market share

• The architectural difference between debit and credit: interest accrual, statement cycles, multiple balance types, and why "debit binary" thinking doesn't transfer

• How Thredd's international footprint, built scaling Revolut, Starling, and Monzo across the UK, Europe, and Asia-Pac, applies to programmes expanding into new regulatory markets

• What determines implementation timelines in practice, including third-party dependencies like card scheme certification and BIN sponsor due diligence

• Why buying infrastructure for a day-one MVP instead of a three-year roadmap is the mistake most programme managers make

• Where credit infrastructure is headed over the next three years, and why composability is no longer optional

Featured speakers

Kevin Fox — Chief Revenue Officer, Thredd Kevin leads commercial strategy at Thredd, a global issuer processor headquartered in the UK with offices across Hong Kong, Singapore, Australia, and Austin.

Scott Johnson — President, Card Division, LoanPro Scott leads the card division at LoanPro, a credit card ledger and loan management platform spanning origination through servicing, working with lenders across consumer, small business, and commercial lending.