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.
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.
Victor Cardenas is the co-founder and CEO of Slash, a $1.4 billion business banking platform built on one thesis: the company holding your bank account should also own all your financial software.
Slash serves niche verticals like performance marketing agencies, import-export businesses, and more, with workflows no legacy bank has ever built for them.
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.
