Capital One Financial Corp. of Falls Church, Va., shuns outsourcing, preferring the flexibility and control that come from doing things itself.

The monoline card company has about 5,000 product combinations and last year performed about 14,000 product tests. Targeting card offers to specific customers, it believes third-party vendors are not nimble enough to match its pace.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.