Goldman Sachs has big plans for TxB, its new banking-as-a-service platform

Building a platform, Designing new products, Finance Everywhere, Member Exclusive

The Great Fintech Reset: How leading players are reimagining their core identity and making big changes

• Leading fintechs Brex, Ramp, and Plaid signal an industry pivot as they transform from hyper-growth toward sustainable value creation and precision.
• Their aligned focus on core offerings, hands-on leadership, and trust-centric metrics reveals fintech's new success playbook.

Finance Everywhere, Lending

What will Walmart’s launch of BNPL through One mean for the industry?

• Walmart is leveraging its fintech arm One to offer BNPL options to its customers, competing with existing players like Affirm, which already offers pay in four options in Walmart stores.
• The entry of retail brands like Walmart into financial services could compel dedicated fintechs to offer more attractive financing options to maintain market share, while also allowing Walmart to deepen its customer relationships, particularly with younger consumers.

Business of Fintech, Finance Everywhere

As their popularity grows, more banks are eyeing gift cards as a loyalty perk

• Consumer interest in gift cards remains high, with 56% planning to purchase them for major life events and 38% preferring them as Christmas gifts over physical items.
• Given consumer interest, multiple FIs and fintechs are partnering with technology providers to offer gift cards and drive consumer loyalty and engagement.

Finance Everywhere, Who owns the customer

Apple faces regulatory troubles and payments are at the heart of it

• Digital wallets are central to the recent lawsuit filed against Apple.
• Although this lawsuit by the US Justice Department is new in the US, it builds upon precedent set by the EU.

Banking, Finance Everywhere

Zack Miller’s wake-up call to SMB banking realities on the Gusto Podcast

• It's not often that Tearsheet editor Zack Miller finds himself on the other side of the mic.
• Zack was a guest on Gusto's SMB Tech Innovator Podcast this week speaking about the challenges and opportunities to bank SMBs.