10-Q, Member Exclusive

A rapid-fire round through the year’s hottest 10-Q stories

  • The future calls, but first, a nod to the road we’ve traveled.
  • Join me as we explore the highlight stories from the 10Q universe and celebrate the close of 2024!
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A rapid-fire round through the year’s hottest 10-Q stories

    Let’s hit the 2024 highlights!



    2025 is here, and with it comes the excitement of fresh starts and new horizons. But before sprinting into the future, let’s take a thoughtful pause to reflect on last year’s journey.

    Join me as we explore the highlight stories from the 10Q universe and celebrate the close of 2024!

    The Case for Connected Experiences: U.S. Bank’s vision for SMB growth

    Back in February 2024, I spoke with Shruti Patel, the Chief Product Officer for the Business Banking Segment at U.S. Bank. We talked about all things SMBs — what’s working, what’s not, and how financial institutions can step up their game.

    One thing that really gets me is the sheer tenacity of small business owners. Balancing responsibilities and confronting obstacles daily, they persevere with unwavering hope for better financial opportunities. Where does that confidence come from?

    According to Shruti, SMB owners are resilient, adaptable, and always ready to tackle whatever comes their way. They chalk it up to their work ethic, leadership skills, and adaptability. And they’re pretty good at managing stress too.

    In a U.S. Bank survey, small business owners revealed some of their secret stress-busting hacks:

    • Reminding themselves why they started their business (aka the “this is my dream” mantra)
    • Making work fun or meaningful (because why not?)
    • Setting boundaries (read: not answering emails at midnight)
    • Regularly tweaking their business strategies (change is good)
    • Hiring help to lighten the load (delegation can be a superpower)

    But here’s the rub: Small business owners wear all the hats — CEO, accountant, HR, janitor — and their biggest pain point is a lack of time. Enter digital solutions, the capes SMBs need to wear to save the day, according to Shruti. She shared that 82% of small business owners believe investing in digital tools could reduce their stress, and 42% say it would free up time for more strategic work.

    Historically, banks have given their SMB customers more and more money movement solutions for accepting payments and for making payments (POS, ACH, Zelle, Wires, RTP, BillPay in banking app). The real puzzle isn’t just about building the tech — it’s about translating it into SMB-speak. For many small business owners, payment rails might as well be train tracks to nowhere. They’re burning $200 a month on a jumble of tools and sacrificing up to 40 hours playing admin instead of entrepreneur, explained Shruti.

    Shruti’s take? It’s time for financial institutions to step up and deliver smoother digital tools that bring everything together in one place. This could be a central dashboard that connects all the dots — front office, back office, and everything in between — combined with other measures.

    Partnerships: The Good, the Bad, and the “What were we thinking?”

    Last year, partnerships have been front and center — some thriving, others combusting (hint: Apple-Goldman). With collaboration such a hot topic, I reached out to industry pros to get their take on how to prevent cracks in collaborations.


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    Artificial Intelligence, Member Exclusive, Payments

    How agentic commerce is making execution, intent, and credit actionable inside payments

    • Agentic commerce is narrowing the gap between execution, intent, and credit within payments.
    • Across the payments stack, companies like Stripe, American Express, and Affirm are applying agentic AI to smooth the path from intent to execution.
    Sara Khairi | April 30, 2026
    10-Q, Member Exclusive

    Can Robinhood build sustainable revenue streams that are not tied to how often people trade?

    • In 2026, Robinhood’s strategy has been about expanding what surrounds its core trading engine.
    • The actual question is: Can episodic trading behavior be converted into persistent reliance on Robinhood?
    Sara Khairi | April 27, 2026
    Banking, Banking as a service, Member Exclusive

    How Thread Bank is turning a century-old charter into a modern distribution engine

    • What it takes for a bank to scale in the US today – and still stand out – in a market where innovation is easy to claim but regulatory credibility is far harder to earn.
    • Thread Bank offers a useful lens into this reality. It operates through a partnership-led embedded banking model to expand its distribution and reach new clients.
    Sara Khairi | April 23, 2026
    10-Q, Member Exclusive

    Banks had an uneventful Q1, but competition for financial flows is heating up

    • By most measures, Q1 2026 was a quiet quarter for banks: spending held up, credit stayed resilient, and revenue growth met expectations.
    • Wall Street banks like J.P. Morgan Chase, Citigroup, and Wells Fargo spent the quarter tightening their grip on cash flow, payments, and customer interfaces.
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    AI Innovation, Artificial Intelligence, Member Exclusive

    How American Express is fixing the weak link in agentic commerce

    • AI agents today can assist, recommend, and execute tasks under human-defined limits. The missing piece is a layer that makes those actions verifiable, controllable, and secure – that is what Amex’s ACE Developer Kit is built to address.
    • The balance between automation, constraint, and accountability may become a key design principle of early agentic commerce.
    Sara Khairi | April 16, 2026
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