We dive into two stories. First, how Trump's proposed credit card rate cap benefits fintechs like Affirm and Bilt, who target consumers seeking alternative credit sources.
Second, Amazon and Perplexity clash over AI shopping agents, revealing uncertainty about guardrails and customer relationship ownership in agentic commerce.
Customers are redirecting their day-to-day financial transactions elsewhere, while keeping their old accounts on the books.
Although some banks pick up early signals yet miss the issue before it fully surfaces, fintechs and neobanks, on the other hand, see this same issue as a compounding opportunity.
U.S. Bank was recognized as 'Best Bank for SMBs' at this year’s Tearsheet SMB Finance Awards.
Kristen Link, SVP and Product Lead for Business Customer Journeys and Delivery at U.S. Bank, explains how the super-regional bank supports SMBs across cash flow, payments, and daily operations.
Open banking is often sold as a consumer perk, but its toughest test is in commercial banking, where stitching together ERPs, accounting software, and multiple bank relationships can be expensive and messy.
With its open banking API redesign, Citizens addressed this challenge and took home Tearsheet’s 2025 Big Bank Theory Award for Best New Embedded Finance Platform.
