Strivve exists today to enable card issuers to compete for online payment volumes, while simultaneously providing numerous improved customer experiences to their cardholders. Card issuers often achieve immediate increase in transaction volume and an ROI over 8-10 times the cost of Strivve. Strivve owns the trademark on "Top of Wallet" and we provide "Top of Wallet" solutions that 1) protect their card transaction volume (aka card use) and 2) compete for Top of Wallet status and increase usage across their cardholder base, yielding increased card transaction volume in various ways throughout the untimely cardholder journey. Strivve use robotic process automation and machine learning, with 2 issued patents and another in process, to "push provision" any form of payment credential to online retailers and billers alike. Strivve performs these from a “Stripe-like” or “PayPal-like” API platform, embedded within banking applications. However, Strivve transactions are NOT in the "payment transaction" proper like Stripe or PayPal are. Strivve pushes payment credentials (Cards, VCN, Tokens, ACH) to the retailer or biller AHEAD of the next purchase or payment to help enable the friction free card-on-file or stored-payment-method experience cardholders want and expect.