10-Q

Weekly 10-Q: Can incumbent FIs digitize?: 3 questions with the Global Head of Sales at Citi, Steve Elms

  • Citi's Steve Elms on how Citi helps grow businesses in a high-tech environment, the impact of fintech on financial services, and the challenges for incumbent banks in 2022.
  • Goldman Sachs losses from consumer push may exceed $1.2 billion this year, if the dwindling macro economy forces the firm to take more lending loss provisions.
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Weekly 10-Q: Can incumbent FIs digitize?: 3 questions with the Global Head of Sales at Citi, Steve Elms

 


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‘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
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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
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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
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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
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