Q2 rebrands Cambr as Q2 BaaS as it moves on from its partnership with StoneCastle

Member Exclusive, Opinion

Why every financial firm wants to answer the same question: What should you do next?

• Every financial firm is pursuing the same endgame: becoming the trusted voice that answers one simple but powerful question -- what should you do next?
• Execution is becoming a commodity. The next battleground is earning the right to shape the customer's next decision.

BNPL, Business of Fintech, Member Exclusive

With BNPL mainstream, Klarna shifts its focus to better economics

• Flexible payments have become table stakes at checkout. For BNPL providers, the next challenge is finding growth beyond the product itself.
• Klarna's latest moves suggest the company wants to give customers a reason to return even when they aren't making a purchase.

Banking, Member Exclusive

The four questions steering modern banking strategy

• Modern banks are making deliberate choices about which part of the financial ecosystem they want to own.
• As AI democratizes expertise and technology commoditizes products, the source of competitive advantage is shifting from what banks build to the role they own in the financial ecosystem.

10-Q, Member Exclusive

What Robinhood’s June product blitz was really about

• Robinhood's story has largely been one of investing – every new product strengthened that core business. June's product launches marked a noticeable departure.
• The firm has spent years broadening its product lineup. June marked the shift from product expansion to platform integration.

Member Exclusive, Opinion

Letter from the Editor: Financial services have always relied on one thing. AI is taking it away.

• As AI agents assume more responsibility for commerce, the transaction remains visible, but the decision-making behind it becomes increasingly opaque.
• Financial services are reconstructing the decision trail AI has hidden. That's why the industry's conversation increasingly revolves around intent, context, governance, permissions, explainability, and accountability.