Sprinkle Bit

Designing new products, Member Exclusive, Opinion

Banking has had a product mindset problem, but it might be starting to get better

• The product mindset gap comes down to whether banks build around internal structures or the problems customers are trying to solve.
• AI is pushing product thinking further, challenging banks to move beyond features and interfaces toward responsive products that understand context and help customers get things done.

10-Q

The Week in Market Moves | Oct 08 – 15, 2026

• This analysis tracks recent specific company developments and how markets responded, anchored to Thursday's close.
• This week’s prominent moves came from Bank of America, PNC, Intuit, BNY, and U.S. Bancorp.

Blockchain and Crypto, Member Exclusive, Payments

Coinbase is taking stablecoin rails into banking, expanding the market for both

• Coinbase is expanding stablecoin payments through banking networks of all sizes to diversify beyond trading revenue.
• Moov connects Coinbase to community banks, while Citi opens access to institutional payment flows.

10-Q, Member Exclusive

Financial companies are building closer to the customer

• EverBank-WaFd shows banks moving beyond the digital-versus-branch debate, combining EverBank’s digital deposits and national lending with WaFd’s branches and relationship banking to own more of the customer relationship.
• Circle-Tazapay takes a similar approach from the payments side, adding banking relationships and local payment rails around USDC.

Banking, Partner, Podcasts

Why Salient bet everything on auto lending and never looked back

• Salient’s CEO Ari Malik bet everything on auto lending, relocated to sit next to a single customer, and now says the company has never lost a client among the roughly half of the top 20 lenders it serves.
• Malik breaks down, how AI voice agent grew into a full compliance and loss-recovery stack, why big banks are adopting AI faster than smaller fintechs, and the company got here without a sales team.