Business of Fintech

Q1 fintech earnings: stocks in the red, but growth prospects abound

  • Fintech stocks continue to dive in public markets as macroeconomic trends weighed on companies' first quarter earnings, which came in below equity analysts' expectations.
  • We look at four major fintech players that reported their results – PayPal, Square, Robinhood and LendingClub – and outline the major takeaways from their Q1 earnings reports.
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Q1 fintech earnings: stocks in the red, but growth prospects abound

 


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Banking, Business of Fintech, Payments

Micro case studies: The feud over interest rate caps and the murky future of agentic commerce

  • 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.
Rabab Ahsan | January 20, 2026
Business of Fintech, Member Exclusive, SMB Finance

Putting small businesses first: AI, trust, and the human side of finance

  • At this year’s Money 20/20, conversations went beyond payments and embedded finance to how technology can truly support America’s smallest businesses.
  • Two fintechs shone in the discussion: Hello Alice, which aims to make capital more accessible, and Bluevine, a banking platform tailored for SMBs and sole proprietors. Different strategies, same focus -- putting SMB owners first.
Sara Khairi | November 20, 2025
Business of Fintech

What it actually takes to build a regional fintech hub: The Mass Fintech Hub playbook

  • Boston's fintech ecosystem grew 40% year-over-year, but growth metrics don't tell you whether incumbent partnerships actually work.
  • Two players inside the Mass Fintech Hub explain what's working, what's not, and why regional banks are betting time on ecosystem building.
Zachary Miller | November 11, 2025
Artificial Intelligence, Business of Fintech

Inside Shopify’s company-wide Gen AI push under Tobias Lütke

  • While traditional banks and credit unions have adopted a "slow and careful" approach to generative AI, limiting deployment to back-office operations, fintech companies like Shopify are taking radically different paths by integrating AI throughout their entire organizations and customer-facing products.
  • CEO Tobias Lütke's leaked manifesto reveals a mandatory AI-usage policy that affects everything from employee performance reviews to resource allocation, but this aggressive approach highlights unresolved challenges around error management, equitable implementation across organizational hierarchies, and the need for proper safeguards in this new paradigm of AI-augmented work.
Rabab Ahsan | July 01, 2025
BNPL, Business of Fintech

B2C BNPL changed shopping – can international B2B BNPL players do the same for North American SMBs?

  • European firms are scaling globally, with a growing focus on the US B2B BNPL market. Among them, Two is gearing up for a North American launch this year.
  • Two’s product lineup remains largely the same across the markets it serves, but it aims to localize its product suite for North American customers upon launch. We explore how.
Sara Khairi | April 24, 2025
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