When Patrice Peyret started Plastyc in 2006, he saw an opportunity to help people outside the mainstream economy participate in better and more cost-effective financial services. Initially created to help teenagers gain access to prepaid card accounts to make purchases online without borrowing a parent’s credit card, Plastyc soon realized there was as much of a need for this product in working adult segments as there was from consumers outside the traditional mainstream. Plastyc started with a model to serve the “too young to be banked,” but now delivers most of its services to the traditionally underserved, as well as to the growing number of “strivers” who prefer to manage their money online and by phone with the lowest possible fees.