Inside the lifecycle of a financial services customer, in 4 charts

Embedded Finance, Member Exclusive

How traditional banks are making embedded finance work without changing their DNA

• Legacy banks are embracing embedded finance to forge deeper relationships with clients and merchants beyond merely staying relevant.
• We deep dive into how J.P. Morgan Chase and Citi are building on their existing infrastructure to ramp up embedded payment investments, turning modern business needs into new opportunities, and what strategies have been working well in their favor.

Building a platform, Designing new products, Finance Everywhere, Member Exclusive

The Great Fintech Reset: How leading players are reimagining their core identity and making big changes

• Leading fintechs Brex, Ramp, and Plaid signal an industry pivot as they transform from hyper-growth toward sustainable value creation and precision.
• Their aligned focus on core offerings, hands-on leadership, and trust-centric metrics reveals fintech's new success playbook.

10-Q, Member Exclusive

Are banks and fintechs stablecoin skeptics or undercover believers?

• Fintechs — and now banks — are moving more deeply into stablecoins, but their playbooks differ based on their respective strengths and constraints.
• Stablecoins bring with them both immediate and far-off opportunities and risks, and how the financial industry navigates these will determine their long-term impact.

10-Q, Member Exclusive

How banks can stay relevant, not relics: Lessons from BNY & Citi

• BNY takes the AI route to improve its operations, and Citi continues to use workplace flexibility to navigate talent challenges.
• Banks willing to embrace change — whether through AI, flexible work environments, or other innovations — can use it to their advantage and stay relevant.

10-Q, Member Exclusive

Klarna and Chime eye IPOs in 2025 — But will the market play nice?

• Klarna and Chime are finally ready to test the public markets, likely this year.
• For Klarna and Chime, the timing makes sense — at least on paper. However, along come fiercer competition and sharper investor scrutiny.