10-Q, Member Exclusive

Scaling, Reinventing, Integrating: The strategies behind PNC, Remitly, and U.S. Bank’s latest moves

  • This month, three financial firms take the stage with their recent moves.
  • Each move offers a glimpse into how institutions of all sizes are reshaping what it means to serve customers in 2025 and the years ahead.
close

Email a Friend

Scaling, Reinventing, Integrating: The strategies behind PNC, Remitly, and U.S. Bank’s latest moves

    September Analysis: Firms’ different tactics, but a shared recognition


    By early 2026, Colorado-based FirstBank’s logo will give way to PNC’s navy and orange. Across the country, a Filipino nurse in New York tests out Remitly’s new membership model to send remittance back home, while a coffee shop owner in Minneapolis logs into U.S. Bank to approve payroll without switching tabs. 

    These are three very different scenes, but together they show how the edges of financial services are being redrawn from three different directions: scale, reinvention, and integration. 

    PNC is buying its way into Colorado dominance with the FirstBank acquisition deal. Remitly, once known mostly for remittances, is positioning itself as a financial hub for users and SMBs with its new Remitly One membership. And U.S. Bank is folding payroll directly into its small business dashboard, in a move that’s more about tightening its grip on the cash flow nerve center.

    Each tells a story about how financial institutions, big and small, are recalibrating what it means to serve customers in 2025 and beyond.


    subscription wall for TS Pro

    0 comments on “Scaling, Reinventing, Integrating: The strategies behind PNC, Remitly, and U.S. Bank’s latest moves”

    10-Q, Member Exclusive

    ‘Payroll is one of the most direct and impactful entry points for embedded finance’: Green Dot’s Crystal Bryant-Minter on the firm’s embedded finance strategy

    • Green Dot's rapid! is wiring earned wage access and real-time payouts into Workday’s payroll and HCM systems.
    • Green Dot sees payroll and payouts not just as an end in themselves, but as the on-ramp to embedded finance at scale.
    Sara Khairi | September 15, 2025
    10-Q, Member Exclusive

    What’s left in the shadows: The Oklahoma institution that grew by keeping its head down

    • In today’s 10Q edition: What’s left in the shadows, we shine a light on the less-talked-about publicly traded names in the industry that do their own thing but remain integral to the banking ecosystem.
    • One of these shadow giants is BOK Financial [BOKF]. Founded in 1910, this Oklahoma-born institution has spent more than a century weaving itself into the economic fabric of the Midwest and Southwest.
    Sara Khairi | September 08, 2025
    10-Q, Member Exclusive

    Citizens sharpens its open banking edge with a new API design

    • Citizens Bank rebooted its open banking API this year, updating the framework for today’s needs.
    • Citizens’ Head of Product Management for Access & Delivery Channels unpacks the launch of the bank’s revamped open banking API framework and the problems it tackles.
    Sara Khairi | September 03, 2025
    10-Q, Member Exclusive

    Chime, SoFi, Nubank: How three different roads are converging into one digital banking paradigm shift

    • The digital banking story in 2025 is a mix of triumph and tension. 
    • In 2024, talk in digital banking centered on neobanks facing higher rates, fading VC, and stiff competition. Mid-2025 shows the outcome: yes, but only a handful.
    Sara Khairi | August 25, 2025
    10-Q, Member Exclusive

    How Coinbase is putting a crypto spin on old-school finance

    • Coinbase, once a Silicon Valley outsider pitching crypto as an alternative to the banking system, is now doing business with the very institutions it was supposed to 'disrupt'.
    • The roles are shifting: banks are moving closer to the chain, and Coinbase is evolving beyond being just a crypto trading platform.
    Sara Khairi | August 11, 2025
    More Articles