The company, while still unprofitable, is a darling of the financial services sector and only last year reached a $2 billion valuation on the back of a $260 million round of financing.

Enter Marqeta, which provides the tools for financial services platforms of all stripes to provide cards, wallets, and other payment mechanisms.

As for that initial public offering, even though Marqeta won’t disclose any information about its revenue or other balance sheet information, “we see ourselves as a public company,” Gardner said.

The social response to the pandemic will even exacerbate the payment trends that’s driving adoption of Marqeta’s services, according to Gardner.

By providing quick and flexible options to any kind of commerce company that wants to make the move into issuing cards to its customers, along with supporting services around them such as payment reconciliations, real-time fund transfers and customer interactive voice response services, Marqeta has managed to grab an entire generation of customers that banks have left behind.

And just as Marqeta opened an office in London to capitalize on the growing market for “challenger banks” (like N26, Monese, Starling and Revolut) that have come from Europe (which account for 14% of the banking market’s revenues in Europe — roughly $238 billion) there’s an opportunity for the company in the growing fintech market in Latin America