10 Jun 2021

10-Q, Member Exclusive

Citi is done getting smaller. Now it has to get better.

• Citi spent years simplifying the bank by shedding businesses and reducing complexity. Now comes the part of making the streamlined bank work better.
• The pieces are largely in place. The question is whether Citi can connect them into a stronger growth engine without recreating the complexity it just spent years removing.

Member Exclusive, Opinion

The new fintech moat is ‘boring’

• What does a fintech moat look like today?
• The new measure of a fintech moat is the capability to handle complexity without pushing the burden onto customers or costs. It isn’t only about keeping competitors out but it's also about getting better as the system gets more complicated.

10-Q

The Week in Market Moves | Aug 13-20, 2026

• This analysis tracks recent specific company developments and how markets responded, anchored to Thursday's close.
• This week’s prominent moves came from Klarna, Visa, Mastercard, Citi, PayPal, and Robinhood.

Lending, Member Exclusive

How Figure turned a lending business into a financial network

• Figure reported second-quarter results, showing that its platform had reached a $1 billion weekly run rate for loan applications by early July.
• The firm has come a long way since it was founded in 2018, building a more structured lending and capital markets system while increasingly making it intelligent and programmable.

Opinion, Podcasts

How enterprise AI is moving up the stack in 3 layers

• For the first episode of The Editors' Room, Tearsheet editors debate what they'd hand over to AI and what they wouldn't, before digging into how enterprise AI is taking shape.
• The enterprise AI stack is increasingly built around 3 things: shared context, specialized agents, and orchestration.