When I say card specificity I mean that the debit/credit card should have the following features: -
- The user should be able to make multiple virtual cards.
- The user should be able to assign a virtual card to a specific merchant (Eg. Netflix).
- The user should be able to specify the amount (Eg. ₹200 / Month at Netflix).
You could go even further by enabling users to generate One Time Use virtual cards.