Highnote emerges from stealth with SMB focused embedded card service

AI Innovation, Banking, Member Exclusive

What Fifth Third’s invitation to Project Glasswing says about the bank’s role in the financial system

• Fifth Third is among a select group of vetted partners granted early access to the Claude Mythos Preview model through an invitation-only cybersecurity program.
• Regional banks are becoming part of the financial system's critical infrastructure. Their significance is increasingly measured by how essential they are to keeping money moving and systems operating.

Banking, Member Exclusive

Three regional banks, three different layers of the financial stack

• Super-regional banks are moving away from the one-size-fits-all playbook, focusing on distinct tech layers rather than competing on the same digital features.
• Across Citizens, Truist, and KeyBank, modernization is shifting from a technology agenda to a positioning strategy.

10-Q, Member Exclusive

What Klarna, Coinbase, and Chase are building next

• Klarna, Coinbase, and Chase are expanding beyond their core businesses to become part of the routines that generate financial decisions.
• We look beyond today's products to what the three firms are building for tomorrow.

Member Exclusive, Opinion

Letter from the Editor: The AI productivity story is easy to tell until you sit inside the institution building it

• Today’s analysis examines the widening gap between the AI capabilities being developed and the language used to describe them.
• If AI's role is to make banking more efficient, productivity matters. If its role is to redefine decision-making and workflow, productivity may be too narrow a lens.

AI Innovation, Artificial Intelligence, Member Exclusive, Payments

The real power struggle in agentic commerce isn’t building the smartest AI agents; it’s governing them

• J.P. Morgan Payments is moving the conversation beyond capability and toward the infrastructure and framework required to govern AI agents.
• Data is emerging as a core ingredient of agentic commerce, shaping the information agents can access and the decisions they can make.