Apple Savings cannot save Goldman Sachs’ retail transformation

Banking, Lending, Member Exclusive

LendingClub rebrands to Happen Bank as its identity catches up to its model

• LendingClub (soon Happen Bank) did what few scaled fintechs manage cleanly: it let the business lead, and the brand follow.
• The company remains lending-centric, but is building out a broader post-loan experience.

Banking, Partner

Beyond payments: Why SMBs need both contactless acceptance and modern fraud controls

• Small businesses must balance modern payment demands with rising fraud risks, as contactless payments grow while credit card fraud surges.
• Banking partners can help by making enterprise-grade fraud protections, like ACH controls, debit blocks, and 2FA, accessible to SMBs.

Banking, Partner

The cost of standing still: Why core banking modernization has become a competitive imperative

• Modernization needs to be viewed as a strategic growth driver rather than just an IT cost.
• Will Moroney, CRO at Temenos discussed the firm’s recent trends report that shows how banks are falling behind by clinging to legacy infrastructure, and why closing the AI readiness gap is becoming the defining competitive challenge of the moment.

Banking, Banking as a service, Member Exclusive

How Thread Bank is turning a century-old charter into a modern distribution engine

• What it takes for a bank to scale in the US today – and still stand out – in a market where innovation is easy to claim but regulatory credibility is far harder to earn.
• Thread Bank offers a useful lens into this reality. It operates through a partnership-led embedded banking model to expand its distribution and reach new clients.

AI Innovation, Banking

Why the back office comes first in AI deployments and failures that keep reappearing

• Back-office AI is where most banks start, but only 16% have a coherent strategy, meaning most investment is tactical, not by design.
• Data silos and API gaps, and organic employee adoption is the clearest signal of readiness.