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!
close

Email a Friend

    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.


    subscription wall for TS Pro

    0 comments on “A rapid-fire round through the year’s hottest 10-Q stories”

    Member Exclusive, Podcasts, SMB Finance

    The bank account is the product: Slash’s bet on vertical SMB banking

    • Victor Cardenas is the co-founder and CEO of Slash, a $1.4 billion business banking platform built on one thesis: the company holding your bank account should also own all your financial software.
    • Slash serves niche verticals like performance marketing agencies, import-export businesses, and more, with workflows no legacy bank has ever built for them.
    Zack Miller | May 20, 2026
    BNPL, Building a platform, Embedded Finance, Member Exclusive

    Affirm bets on banks, bots, and Shopify to reach $100 billion in GMV

    • Affirm has unveiled three major growth bets, embedding BNPL into bank apps via Affirm Edge, deepening its exclusive global Shopify partnership, and early positioning in AI-driven agentic commerce, all targeting $100 billion in annual GMV.
    • The thesis is that three years of compounding revenue growth give Affirm the credibility to pursue these longer-horizon plays, while its core merchant and card businesses carry the near-term load.
    Rabab Ahsan | May 19, 2026
    10-Q, Member Exclusive

    BNPL moves into the conversation layer of commerce

    • Affirm and Klarna are embedding installment payments into Google Search and the Gemini app through Google Pay.
    • Agentic commerce is growing rapidly, affecting consumption habits with each improvement. The tools assisting this consumption need to transform alongside these developments.
    Sara Khairi | May 18, 2026
    AI Innovation, Artificial Intelligence, Banking, Member Exclusive

    What Citi Sky says about the reinvention of client relationship models in wealth management

    • Citi Wealth has launched Citi Sky, an AI teammate built with Google Cloud and Google DeepMind that responds and surfaces insights in real time.
    • For Google DeepMind, the biggest challenge was making a non-deterministic generative AI system behave predictably.
    Sara Khairi | May 14, 2026
    Data, Member Exclusive, Podcasts

    How Kudos built a consumer data moat on top of credit card rewards

    • Kudos started as a tool to help consumers pick the right credit card at checkout but underneath the rewards optimization is something more valuable: a data layer spanning purchase history, credit profiles, and active shopping behavior across 500,000 users.
    • Co-founder and CEO Tikue Anazodo explains how that asset is now powering AI agents that negotiate your bills, match you to better financial products, and execute on your behalf.
    Valentina Colombo | May 13, 2026
    More Articles