It's all happened rather quickly. In less than two years, it seems, there's been a sea change in the way card services are structured. These days, more and more cards are issued that can be tailored by consumers, co-created in a way that suits and benefits them financially. It's no exaggeration to say there has been a seismic shift towards consumer empowerment, towards financial flexibility, although for some reason you don't really read about it all that much.