Deep Dive: Stripe

5 questions, Artificial Intelligence, Member Exclusive

SoFi is asking what financial planning should look like in the AI era

• SoFi Coach keeps members' long-term goals in view as they make everyday decisions about spending, saving, and debt.
• The AI-powered guide widens the window for financial guidance and helps turn advice into concrete next steps, while human planners remain important for complex, high-stakes, and deeply personal decisions.

10-Q, Member Exclusive

Chime is turning a seven-year-plus bank partnership into vertical integration

• Chime is bringing banking in-house with its $590 million acquisition of Stride, gaining control over the charter, infrastructure, and economics behind its growing product suite.
• The neobank is also betting that tighter connections across payments, credit, liquidity, and investing can make the broader platform more valuable.

Lending, Member Exclusive, Payments

Affirm wants its data to tell a more complete customer story

• Affirm is mining its data for a better read on borrowers with its new transformer-based underwriting model.
• By extracting new signals from existing data, the BNPL firm is betting that its transaction-level view of consumers can become a competitive advantage in its own right.

Business of Fintech, Member Exclusive

NVIDIA, Revolut, and Citi are facing questions their old playbooks can’t answer

• NVIDIA, Revolut, and Citi are facing new questions around AI safety, going public, and cybersecurity as their businesses evolve.
• Scale is raising the stakes around how each company operates, protects, and grows.

Banking, Member Exclusive, New banks

Nubank intends to paint the U.S. banking system purple

• Nubank just launched in the U.S. with 3.50% savings, a no-fee credit card, and free international transfers, its bid to crack the toughest banking market.
• The purple card conquered Brazil by ditching fees and serving millions banks ignored. Now Nubank bets that the playbook works on Americans too.