Prohaska Consulting

Opinion

Letter from the Editor: Gen Z isn’t confused about money; the system is confusing them

• Gen Z is stitching together its own financial stack across apps, changing what banking relationships look like in the process.
• What Gen Z is really after is contextual relevance – a feeling that the product understands where they are and what they need in that moment.

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, 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.

Artificial Intelligence, Tearsheet Council

Financial brands have an AI voice problem

• AI-generated content has a tell and financial communications pros are done pretending they can't see it.
• Members of the Tearsheet PR/Comms Council share where they've drawn the line and what it looks like to scale content without losing your voice.

AI Innovation

Lili CTO Liran Zelkha on building AI that disappears

• AI in fintech is shifting from in-app features to ambient, API-driven capabilities embedded in tools customers already use.
• Lili CTO Liran Zelkha discusses building trust into AI design and using AI to bring CFO-level financial intelligence to small business owners.