Javier Paz

Artificial Intelligence, Lending

Meet the AI lending officer: How algorithms are taking over credit decisions

• Small business lending represents the last major frontier for AI transformation in financial services.
• Visa's Jonathan Kolozsvary and Uplinq's Patrick Riley explore how AI lending officers are using transaction data to unlock capital for underserved businesses.

Artificial Intelligence, Business of Fintech

Inside Shopify’s company-wide Gen AI push under Tobias Lütke

• While traditional banks and credit unions have adopted a "slow and careful" approach to generative AI, limiting deployment to back-office operations, fintech companies like Shopify are taking radically different paths by integrating AI throughout their entire organizations and customer-facing products.
• CEO Tobias Lütke's leaked manifesto reveals a mandatory AI-usage policy that affects everything from employee performance reviews to resource allocation, but this aggressive approach highlights unresolved challenges around error management, equitable implementation across organizational hierarchies, and the need for proper safeguards in this new paradigm of AI-augmented work.

10-Q, Member Exclusive

With its historic asset cap lifted, what exactly does Wells Fargo plan to do with its regained freedom?

• In early June 2025, Wells Fargo finally saw the infamous asset cap lifted.
• What did it take for Wells to reach this turning point? And how does it plan to make the most of its second chance?

Embedded Finance

How embedded finance is positioning J.P. Morgan Payments as a key marketplace infrastructure player

• The growing embedded finance trend represents a migration from banks as destinations to banks as infrastructure.
• Walmart added J.P. Morgan Payments’ embedded finance solution to its marketplace. We explore how this collaboration brings to light two often-overlooked aspects of embedded finance.

Banking, Partner

The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don’t play nice

• Financial disharmony costs organizations $100 million annually as money struggles to flow seamlessly through trading, banking, and payment systems, with cyberthreats driving a third of losses.
• FIS CTO Firdaus Bhathena and Oxford Economics' Margaux McLoughlin discuss strategic solutions including AI integration, enhanced training, and industry partnerships to address the growing harmony gap in financial services.