Member Exclusive

Why are regulators cracking down on bank-fintech partnerships?

  • A higher level of regulatory scrutiny is on the way for fintechs and the bank partners on which they rely.
  • Increased regulatory scrutiny could result in a safer and more resilient market to the benefit of consumers, says Brian Graham, partner at Klaros Group.
close

Email a Friend

Why are regulators cracking down on bank-fintech partnerships?

 


subscription wall for TS Pro

0 comments on “Why are regulators cracking down on bank-fintech partnerships?”

Member Exclusive, Opinion

Letter from the Editor: Financial services have always relied on one thing. AI is taking it away.

  • As AI agents assume more responsibility for commerce, the transaction remains visible, but the decision-making behind it becomes increasingly opaque.
  • Financial services are reconstructing the decision trail AI has hidden. That's why the industry's conversation increasingly revolves around intent, context, governance, permissions, explainability, and accountability.
Sara Khairi | July 10, 2026
AI Innovation, Member Exclusive, Payments

Paper still defines payments’ last mile. J.P. Morgan Payments thinks AI and robotics can tackle that.

  • Most payment discussions assume the biggest challenge is moving money from Point A to Point B. What if the bigger bottleneck is actually the operational noise surrounding the payment?
  • Investing in checks sounds like a step backward, but J.P. Morgan Payments is doing exactly that – because paper checks still create the greatest operational friction in the modern financial system.
Sara Khairi | July 09, 2026
Banking, Business of Fintech, Member Exclusive

Revolut’s US bet: A bank charter, a stablecoin pitch, and a graveyard of European challengers that tried before it

  • Revolut filed for a US national bank charter in March 2026 to break free from its partner-bank arrangement.
  • The firm is betting on stablecoins and cross-border/multi-currency banking to win over international-minded US customers, backed by a $500 million commitment and a buildout led by new US CEO Cetin Duransoy.
Rabab Ahsan | July 07, 2026
AI Innovation, BNPL, Member Exclusive

Why BNPL infrastructure needs to learn a new acronym: KYA (Know Your Agent)

  • As AI agents take a larger role in commerce, BNPL providers may need to rethink whom or what they evaluate when approving transactions.
  • Zip Co's Rory Herriman believes a future payments ecosystem may need to prove that an agent had authority to act, but also that the action reasonably reflected the user's objectives.
Sara Khairi | July 02, 2026
Member Exclusive, Podcasts

Trust, stablecoins, and the AI margin squeeze: What McKinsey and QED’s fintech report means for banks

  • Max Flötotto, who leads McKinsey’s global retail banking practice, and Mike Packer, a partner at QED Investors, just co-authored a report mapping where fintech goes next — and they agree on almost everything in it.
  • We dig into why “a feature is no longer a fintech,” why only 1% of stablecoin volume is actual end-user payments, and why the simplest version of banking — deposits and loans — may be the part most at risk from AI agents.
Zack Miller | July 01, 2026
More Articles