‘$130 trillion of global B2B trade is coming online’: Balance looks to digitize payments for B2B ecommerce

10-Q, Member Exclusive

BNPL moves into the conversation layer of commerce

• Affirm and Klarna are embedding installment payments into Google Search and the Gemini app through Google Pay.
• Agentic commerce is growing rapidly, affecting consumption habits with each improvement. The tools assisting this consumption need to transform alongside these developments.

AI Innovation, Artificial Intelligence, Banking, Member Exclusive

What Citi Sky says about the reinvention of client relationship models in wealth management

• Citi Wealth has launched Citi Sky, an AI teammate built with Google Cloud and Google DeepMind that responds and surfaces insights in real time.
• For Google DeepMind, the biggest challenge was making a non-deterministic generative AI system behave predictably.

Data, Member Exclusive, Podcasts

How Kudos built a consumer data moat on top of credit card rewards

• Kudos started as a tool to help consumers pick the right credit card at checkout but underneath the rewards optimization is something more valuable: a data layer spanning purchase history, credit profiles, and active shopping behavior across 500,000 users.
• Co-founder and CEO Tikue Anazodo explains how that asset is now powering AI agents that negotiate your bills, match you to better financial products, and execute on your behalf.

10-Q, Member Exclusive

Green Dot and the case to make financial experiences feel calmer

• Green Dot is shifting to prioritize "Cortisol UX", a philosophy that aims to absorb user stress by embedding signals into its architecture that increase predictability of interactions.
• The product team is focusing on slowing down paths such as transaction confirmations to reduce cognitive load and uncertainty.

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.