Intuit is addressing fragmentation by launching QuickBooks Workforce, an AI-native, end-to-end human capital management platform built directly into QuickBooks.
The firm is building a unified SMB operating system where finance, workforce, AI agents, and operations continuously feed into one another.
Block has extended over $200 billion in credit globally by underwriting customers with first-party data from Cash App and Square, bypassing the bureau feeds that leave 100 million Americans invisible to traditional lenders
The same risk philosophy runs across all three products: maximize access, reduce cognitive burden on repayment, and reinvest efficiency gains back into expanding credit