I'd much much much rather have them work with banks and develop a way to just walk up to an ATM, have the phone in hand with app, and recognize me, and my phone, and my "pin" to withdraw money when I forget my wallet, but I never forget my phone..or when I lose my ATM card and haven't gotten the replacement yet, or just because I rarely use my ATM card and mostly use cc, and just happen to need to grab cash..
For credit card I'm sure they can make the coin look cool but it doesn't appeal to me personally because I only have two cc I use mainly, and to be honest, I've met a lot of Americans who're like that, and a good chunk of those Americans don't even want to use cc, but use debit card (the horror I know) for purchases
If coin made itself a neat looking design, great
I think it can sell itself more if it integrated chip (difficult to squeeze eight cards from different carriers with chip that is suppose to strengthen the security of the card)But even more so if it came with an app that allows the user to track all the purchases it makes, and find an algorithm that allows the user to maximize their purchasing power..for example...charts to show how coin can work for the user...because it will let the client know to use discover It when it's at the movies, and citi platinum dividend at CVS, and Bank of America (americard cash rewards) 321 at gas stations...
Or automatically use it so they get the most cashback
But that's just me, and my idea if I were coin, I would have that type of supplement app or features when logging into website account