10-Q

Weekly 10-Q: Is BNPL picking up steam while consumers struggle with credit card payments?

  • Wall Street, Regions Financial, and MoneyLion have been slapped with heavy fines by U.S. regulators.
  • BofA, Citigroup, Goldman Sachs, JPMorgan Chase, Morgan Stanley, and Wells Fargo have taken part in the Federal Reserve Board's pilot program on climate change commencing early 2023.
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Weekly 10-Q: Is BNPL picking up steam while consumers struggle with credit card payments?

 


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10-Q, Member Exclusive

Q4 2025 in Consumer Finance: Fintechs move from user counts to dollars per engaged customer

  • Block’s Q4 2025 earnings drew attention as much for the story behind the numbers as for the numbers themselves. Chime’s Q4 2025 results emphasized growth, credit expansion, and ecosystem depth.
  • Block’s structural shift and Chime’s measured ecosystem expansion raise broader industry questions that go beyond individual company performance.
Sara Khairi | March 09, 2026
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Coinbase rides the waves of stress and opportunity with its ‘Everything Exchange’ vision

  • 'Everything Exchange' reflects Coinbase’s ambition to be a one-stop financial platform.
  • Outgrowing its crypto exchange roots brings Coinbase fresh regulatory, competitive, and market challenges.
Sara Khairi | March 02, 2026
10-Q, Member Exclusive

Banking: AI, automation, and the rise of digital-first scale

  • From AI agents at Goldman to automation at Truist and lean growth at Nubank, the contours of a modern banking model are emerging.
  • Banks are rethinking human-machine cooperative roles and new ways to scale.
Sara Khairi | February 23, 2026
10-Q, Member Exclusive

Why some major banks are bringing embedded finance in-house

  • Capital One’s Brex acquisition exemplifies a broader shift: incumbent banks reclaiming embedded finance as a core competency.
  • A small group of major banks is taking embedded finance in-house, leveraging scale to assert control over risk, economics, and strategic differentiation.
Sara Khairi | February 16, 2026
10-Q, Member Exclusive

UBS’s US Charter: From a global wealth powerhouse into a full-service US bank

  • Last month, Zurich-headquartered UBS moved toward broader ambitions with conditional approval from the U.S. OCC for a national bank charter.
  • The bank charter brings UBS into a space where efficient operations, advanced risk systems, and client-facing tech are crucial at scale.
Sara Khairi | February 06, 2026
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