[Data Snacks] Working from home a boon for women in retirement industry

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.

10-Q, Member Exclusive

Coinbase is building on a dual-engine structure, but trading still sets the tone

• Coinbase is working to expand beyond its crypto identity into a broader financial services platform, but the shift is still too early to call a clean transition story.
• A dual-engine model best captures Coinbase at present: trading is the volatility engine, subscriptions and infrastructure the baseline.

Artificial Intelligence, Member Exclusive, Payments

How agentic commerce is making execution, intent, and credit actionable inside payments

• Agentic commerce is narrowing the gap between execution, intent, and credit within payments.
• Across the payments stack, companies like Stripe, American Express, and Affirm are applying agentic AI to smooth the path from intent to execution.