10-Q, Member Exclusive

Wise goes West: Why the London fintech star is headed for a US stock exchange, and what it signals about global capital markets

Wise bets on NASDAQ for its next chapter In the early 2010s, Wise (then known as TransferWise) made a name for itself by targeting the bloated fees of international money transfers. Its brand was...

10-Q, Member Exclusive

How Pagaya (PGY) and Upstart (UPST) are venturing deeper into AI to make fintech lending more intelligent

Fintech lending dives deeper into the algorithm age Wall Street loves a good buzzword, but when AI appears on quarterly earnings calls and product roadmaps, it’s not just talk – it’s a...

10-Q, Member Exclusive

Affirm and Robinhood’s Earnings: The story so far and the road ahead

The growth paths of 2 fintechs through their recent quarterly earnings The earnings cycle has commenced, and companies are beginning to report their first set of financial results for this year. A...

Podcasts

Zip CEO Joe Heck: Expanding financial inclusion through Buy Now, Pay Later innovation

Joe Heck, CEO of Zip, joins me on the Tearsheet Podcast to discuss the evolution of alternative payment solutions in the US. Zip is a leading Buy Now, Pay Later (BNPL) company. Joe shares lessons from...

10-Q, Member Exclusive

BNPL players turn up the heat: Affirm and Klarna compete for banks, growth, and market leadership

Where does BNPL belong in the bigger financial picture? The buy now, pay later (BNPL) race has shifted into a new phase. BNPL providers, Affirm and Klarna, initially grew by integrating into...

10-Q, Member Exclusive

A quarter into 2025, where are Goldman and Apple steering their strategies next?

Checking In: Where do Goldman Sachs and Apple stand in their individual endeavors? Today, I’d like to talk about two partners of a formidable alliance that set out to reshape partnerships in...

Embedded Finance, Member Exclusive

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

Embedded finance is making financial services more accessible than ever by integrating them directly into where people shop, borrow, and insure. Fintechs like Stripe power embedded e-commerce...

10-Q, Member Exclusive

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

Can fintech’s brightest stars shine on Wall Street? Klarna and Chime are finally ready to test the public markets, likely this year. The Swedish buy now, pay later (BNPL) firm and the US neobank...