10-Q, Member Exclusive

The Financial Evolution of 2025: AI, Crypto, and Regional Banking

  • As the year wraps up, we zoom in on the standout trends across publicly traded companies we covered this year -- and what they signal for 2026.
  • Looking ahead to 2026, we examine the bigger questions facing both investors and financial executives.
close

Email a Friend

The Financial Evolution of 2025: AI, Crypto, and Regional Banking

    Brains, Blockchain, and Backbone: How finance evolved in 2025


    2025 was anything but ordinary. AI evolved from tools to agentic decision-makers. Crypto roared back and shrugged off skepticism to reclaim a seat at the table. And regional banks, long content to play it safe and lurk in the shadows, began experimenting, innovating, and proving they can move differently yet fast.

    As the year wraps up, we zoom in on the standout trends across publicly traded companies I covered this year — and what they signal for 2026.

    Trend 1: AI โ€” How AI found its place in banking, from a back-office helper to a decision-making partner

    2025 began with a mix of fascination and unease around AI in the financial sector. There was a cloud of uncertainty: could AI take over jobs, reshape banking as we know it, or disrupt entire business models? At industry gatherings like theย World Economic Forum 2025ย at Davos, AI wasnโ€™t just a topic โ€“ it wasย theย topic. Panel after panel debated whether AI would be a villain, a tool, or a teammate.


    subscription wall for TS Pro

    0 comments on “The Financial Evolution of 2025: AI, Crypto, and Regional Banking”

    10-Q, Member Exclusive

    Is it time for AI to enter the payback period and show its ROI?

    • If AI is changing the economics of how businesses operate, where do we see its payoff?
    • Blockโ€™s Q2โ€™26 results suggest AIโ€™s payoff may start showing up in familiar financial metrics. Whether the usual metrics are enough remains an open question.
    Sara Khairi | August 17, 2026
    Member Exclusive, SMB Finance

    Why banksโ€™ trusted-advisor pitch isnโ€™t landing with SMBs right now

    • For small business owners, banks still have a long way to go: just 7% view their bank as a true strategic partner, according to Grasshopper Bankโ€™s recent survey.
    • A major problem, says Grasshopper's Danielle Kane, is that many banks still see small-business banking as a product category rather than an operating environment with distinct needs.
    Sara Khairi | August 13, 2026
    Member Exclusive, New banks, Policies & Playbooks

    Fintechs want to become banks. Bunq just found out what the OCC expects in return.

    • For fintechs seeking U.S. bank charters, the OCC is asking: Do the management, capital, risk, and compliance infrastructure hold up? And is the institution ready to operate as a bank, not just alongside one?
    • The OCC may be widening the path to a charter, but itโ€™s also raising the bar for proving readiness.
    Sara Khairi | August 12, 2026
    10-Q, Member Exclusive

    Forget the earnings. Watch where these fintechs are placing their bets.

    • Chime, Block, and Circle each used the quarter to make the case for where fintechโ€™s next moat will be built.
    • Chime is finding a lending advantage in the direct-deposit relationship, Block is rebuilding around AI, and Circle is betting that the bigger opportunity lies in owning the infrastructure beneath stablecoins.
    Sara Khairi | August 10, 2026
    Member Exclusive, Opinion

    Have we mistaken ChatGPT-like LLMs and AI agents for the whole transformation?

    • The industry is increasingly asking: What needs to surround AI before we can trust it?
    • AI needs four things to work well in financial services: data, context, governance, and human oversight. The first two sharpen its intelligence; the latter two make it trustworthy.
    Sara Khairi | August 07, 2026
    More Articles