Day in the life: Bank of America’s Joe Castinado talks patents

Member Exclusive, New banks

The European neobank that grew too fast is learning how to be a global bank

• Revolut built its reputation by behaving like a technology company -- fast-moving, product-driven, and globally ambitious.
• As Revolut grows, execution is becoming just as important as innovation. Its next test is balancing fintech agility with the discipline of a global bank.

10-Q, Member Exclusive

PayPal is trimming the parts that don’t fit its new operating model

• PayPal is reportedly considering winding down its venture capital arm, PayPal Ventures.
• Venture arms are often the first casualty when strategy becomes less about exploration and more about execution.

Member Exclusive, Opinion

Letter from the Editor: The end of “consumer” and “business” as well-defined categories

• Traditional consumer and enterprise labels are losing relevance as behavior, context, and automation take center stage.
• So, what comes next for financial infrastructure when labels give way to context?

Blockchain and Crypto, Member Exclusive, Payments

The on-chain credit card: Stablecoin credit moves from experiment to infrastructure

• What does banking look like when money can be spent outside the traditional account structure?
• June's announcements point to a new model: card programs backed by tokenized dollars. But stablecoin-backed credit raises three harder questions.

Member Exclusive, Podcasts

How Figure and Method closed the loop on debt consolidation and cut delinquency in half

• Figure and Method have built a verified debt consolidation product that gives lenders real-time liability data and automated payoff execution at the moment of HELOC origination.
• The result: 50% lower delinquency, 2x funded conversion, and a 21-point average FICO lift within 30 days.