Themes, sessions, and speakers: What to see at Money20/20 in 2019

10-Q, Member Exclusive

What Klarna, Coinbase, and Chase are building next

• Klarna, Coinbase, and Chase are expanding beyond their core businesses to become part of the routines that generate financial decisions.
• We look beyond today's products to what the three firms are building for tomorrow.

Member Exclusive, Opinion

Letter from the Editor: The AI productivity story is easy to tell until you sit inside the institution building it

• Today’s analysis examines the widening gap between the AI capabilities being developed and the language used to describe them.
• If AI's role is to make banking more efficient, productivity matters. If its role is to redefine decision-making and workflow, productivity may be too narrow a lens.

AI Innovation, Artificial Intelligence, Member Exclusive, Payments

The real power struggle in agentic commerce isn’t building the smartest AI agents; it’s governing them

• J.P. Morgan Payments is moving the conversation beyond capability and toward the infrastructure and framework required to govern AI agents.
• Data is emerging as a core ingredient of agentic commerce, shaping the information agents can access and the decisions they can make.

Artificial Intelligence, Banking, Member Exclusive

AI, bank CEOs, and the emerging jobpocalypse debate

• Bank CEOs are publicly framing AI as a tool for workforce augmentation rather than replacement, but their messaging remains inconsistent and often tone-deaf.
• The real challenge lies in the short term, where displaced workers, underprepared institutions, and vague government-corporate accountability leave millions without a clear path forward.

10-Q, Member Exclusive

SoFi bets the future of finance is fewer handoffs

• SoFi’s recent moves reflect a broader push to cut down the handoffs between financial products, systems, and decisions.
• SoFi Coach is the visible layer of a deeper system in which infrastructure generates data, data generates context, and context produces recommendations.