Pearl Capital

Uncategorized

FIS’s Shane McWilliams on SMBs, data sharing, and the strategy that wins in a competitive environment

• Banks dramatically underestimate how many customers share financial data with third parties, and most of it happens through insecure screen scraping.
• Shane McWilliams of FIS explains why SMBs now expect their banks to serve as central financial hubs and how relationship-first thinking beats product-centric approaches.

Banking

How Citizens is rebuilding a modern bank from the inside out

• Citizens is methodically redesigning how a modern bank should operate.
• In just a year, Citizens has revamped its tech and product lineup, signaling its evolution from a traditional bank to a financial infrastructure player.

Payments, Podcasts

How Wix built payments, checking, and capital for 293 million users 

• Wix transformed its internal payment infrastructure into a $3 billion-per-quarter fintech platform by focusing on universal access and merchant-specific pain points rather than building a walled garden for premium users.
• Dive into how Wix reimagined checking accounts to eliminate the "where is my money?" problem with instant fund access, and leveraged proprietary website data to expand capital access for small businesses that traditional lenders overlook.

4 charts, Partner

Navigating the subscription economy: Pricing, experience, and data

• While businesses remain confident about growth, rising inflation and consumer cost-consciousness are driving increased churn, forcing companies to rethink their retention strategies in an increasingly competitive market.
• Dive into how businesses can combat subscription fatigue through strategic pricing flexibility and consolidated management solutions, while leveraging AI and first-party data to predict churn and personalize customer experiences at scale.

Banking, SMB Finance

Relationship banking is the secret sauce to successfully banking SMB customers

• SMB owners face isolation, tool proliferation, and vulnerability to economic shifts, managing every business function while lacking revenue cushions for uncertainty.
• KeyBank's Certified Cash Flow Advisor Program is evolving banking relationships from transactional to consultative, with certified advisors providing ongoing guidance through "Key Conversations".