10-Q, Member Exclusive

How old banks are infusing new ideas in embedded finance

  • Get an up-close look at the industry’s most exciting developments with Tearsheet's The Big Bank Theory [TBBT] Awards.
  • We explore how this year's Tearsheet TBBT award-winning incumbent banks are navigating the embedded finance landscape with APIs, partnerships, and proprietary solutions to strengthen their position and adapt to market changes.
close

Email a Friend

    We spotlight how J.P. Morgan Payments, Fifth Third, and Wells Fargo are targeting embedded finance


    Tearsheet recently hosted its The Big Bank Theory Awards, shining a spotlight on the game-changers in banking and embedded finance. This year’s awards brought together a dynamic mix of established industry incumbents, innovative startups, and key players shaping the future of financial services.

    In no specific order, the winners feature:

    • J.P. Morgan Payments takes home Best Overall Embedded Finance Platform
    • Wells Fargo is recognized for Best New Embedded Finance Product (for platforms)
    • SoFi is awarded Best New Product
    • DailyPay is crowned Best Payments as a Service Platform
    • April is honored for Best Customer Implementation of Embedded Finance
    • nCino wins Best SaaS Banking Platform
    • Alkami receives Best Banking App
    • Signature Bank of Arkansas is celebrated for the Serving the Underserved Award
    • Newline by Fifth Third is recognized as the Best New Embedded Finance Platform
    • CorServ clinches Best Card Issuing Platform
    • Zeta’s Sparrow secures the Best Banking Card Product
    • Themis is named Best Banking Service Partner

    We offer a front-row glimpse into the exciting developments unfolding in the industry. While some winners are household names attracting media attention, others are quietly making their mark and leaving a lasting impact behind the scenes.

    We explore how this year’s Tearsheet TBBT award-winning incumbent banks are navigating the embedded finance landscape with APIs, partnerships, and proprietary solutions to strengthen their position and adapt to market changes.


    subscription wall for TS Pro

    0 comments on “How old banks are infusing new ideas in embedded finance”

    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.
    Zack Miller | May 13, 2026
    10-Q, Member Exclusive

    Green Dot and the case to make financial experiences feel calmer

    • Green Dot is shifting to prioritize "Cortisol UX", a philosophy that aims to absorb user stress by embedding signals into its architecture that increase predictability of interactions.
    • The product team is focusing on slowing down paths such as transaction confirmations to reduce cognitive load and uncertainty.
    Sara Khairi | May 11, 2026
    Banking, Lending, Member Exclusive

    LendingClub rebrands to Happen Bank as its identity catches up to its model

    • LendingClub (soon Happen Bank) did what few scaled fintechs manage cleanly: it let the business lead, and the brand follow.
    • The company remains lending-centric, but is building out a broader post-loan experience.
    Sara Khairi | May 07, 2026
    AI Innovation, Member Exclusive

    Lili CTO Liran Zelkha on building AI that disappears

    • AI in fintech is shifting from in-app features to ambient, API-driven capabilities embedded in tools customers already use.
    • Lili CTO Liran Zelkha discusses building trust into AI design and using AI to bring CFO-level financial intelligence to small business owners.
    Rabab Ahsan | May 05, 2026
    More Articles