BNPL, Lending

How well do consumers understand BNPL services?

  • Younger generations have the most pronounced preference for BNPL services, without understanding the hidden risks of BNPL loans.
  • However, reading the fine print of the loan terms before entering into a BNPL arrangement can be a good idea to evade hidden charges.
Sara Khairi | August 22, 2023
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How well do consumers understand BNPL services?

 

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Banking, Lending

Micro Case Study: LendingClub’s Identity Shift — When the business outgrew the brand

  • LendingClub is rebranding its digital bank Happen Bank to align brand identity with its evolution to an integrated banking ecosystem.
  • The bank is recalibrating its focus to a coordinated system where debt consolidation, credit score improvement, and savings accumulation work in tandem.
Sara Khairi | May 14, 2026
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.
Sara Khairi | May 07, 2026
Banking, Lending

From loans booked to loyalty earned: How Citizens is reimagining student banking

  • Under the traditional lending model, students are defined by the debt they carry, not the goals they’re pursuing. Citizens set out to change that.
  • With its new Student Hub, Citizens is stitching together the fragmented student journey, reflecting that early, sustained engagement builds stickier relationships than one-off campaigns.
Sara Khairi | October 23, 2025
Lending, Member Exclusive, Podcasts

How Upstart’s AI is mastering growth, credit performance, and profitability

  • Upstart Co-Founder and CTO Paul Gu explains how the company is leveraging AI to redefine consumer lending by improving credit assessment, automation and servicing.
  • Upstart aims to solve lending's biggest challenge, achieving growth, profitability and strong credit performance concurrently, with plans to 10x their AI advantage and cover all consumer credit needs by 2025.
Zachary Miller | October 22, 2025
Artificial Intelligence, Lending

Meet the AI lending officer: How algorithms are taking over credit decisions

  • Small business lending represents the last major frontier for AI transformation in financial services.
  • Visa's Jonathan Kolozsvary and Uplinq's Patrick Reily explore how AI lending officers are using transaction data to unlock capital for underserved businesses.
Shane Galvin | July 01, 2025
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