Fizz, operating under ShoulderTap Technologies Inc., is a financial services startup based in New York. Despite not being a bank itself, Fizz offers banking services through its partnership with Patriot Bank, N.A. This means that while Fizz manages the customer interface and experience, the actual banking operations are handled by Patriot Bank.

Fizz's primary product is the Fizz Mastercard Debit Card, which can be used anywhere Mastercard debit cards are accepted. This card is issued by Patriot Bank under a license from Mastercard. This model allows Fizz to offer banking services without the regulatory burden of being a bank itself.

In addition to debit card services, Fizz also facilitates loan offerings. These loans are not originated by Fizz or Patriot Bank, but by Lead Bank, a Missouri state-chartered bank. This adds another layer to Fizz's financial service offerings, making it a more comprehensive platform for users.

Fizz also offers promotions and rewards to its users. These incentives are managed by Fizz, not its banking partners, which suggests that Fizz is responsible for customer acquisition and retention.

Fizz's business model is essentially acting as a bridge between customers and banks. It provides a user-friendly platform for customers to access banking services, while the actual financial operations are handled by established banks. This allows Fizz to focus on customer experience and growth, while leveraging the infrastructure and regulatory compliance of its banking partners.

Fizz's target market appears to be everyday consumers who value convenience and user-friendly banking services. Its revenue likely comes from transaction fees, service fees, and possibly a share of interest from the loans it facilitates.

Keywords: Fizz, ShoulderTap Technologies, financial services, banking, debit card, Mastercard, Patriot Bank, Lead Bank, promotions, loans.