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.
Roughly 100 million Americans are invisible to traditional credit systems, either unscored, thin-filed, or misrepresented by data that doesn't reflect their actual financial lives.
Juan Hernandez of Block explains how the company used first-party data and alternative underwriting models to extend over $200 billion in credit across Cash App, Square Loans, and Afterpay — while keeping pricing low and access wide.
Commercial banks are modernizing by augmenting their core systems, layering virtual account infrastructure and unified platforms on top to handle rising complexity.
In this episode, Deepak Kapoor of Huntington National Bank and Rouzbeh Rotabi of Qolo discuss how connected deposits and virtual account structures enable banks to innovate faster, simplify reconciliation, and deliver more flexible, API-driven financial services without overhauling their core systems.
Squarespace has expanded beyond website building to offer a growing suite of financial tools for small businesses, including payments, capital, and a new integrated balance account with a Visa debit card.
On the Tearsheet Podcast, director of product Corey Zettler explains the company's build-vs-partner approach, what it's learned from three product launches, and how it plans to deepen its financial services offering for service.
