Future Of Fintech

Opinion

Letter from the Editor: We keep giving small businesses more tools when what they want is relief

• SMB finance is shifting from an access problem to a coordination problem.
• We fixed access to capital and modernized the tools but we still haven’t fixed the experience around them.

AI Innovation, Artificial Intelligence, Banking, Member Exclusive

What Citi Sky says about the reinvention of client relationship models in wealth management

• Citi Wealth has launched Citi Sky, an AI teammate built with Google Cloud and Google DeepMind that responds and surfaces insights in real time.
• For Google DeepMind, the biggest challenge was making a non-deterministic generative AI system behave predictably.

Banking, Lending

Micro Case Study: LendingClub’s Identity Shift — When the business outgrew the brand

• LendingClub is rebranding its digital bank Happen Bank to align brand identity with its evolution to an integrated banking ecosystem.
• The bank is recalibrating its focus to a coordinated system where debt consolidation, credit score improvement, and savings accumulation work in tandem.

Data, Member Exclusive, Podcasts

How Kudos built a consumer data moat on top of credit card rewards

• 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.

10-Q

The Week in Market Moves

• This analysis tracks recent specific company developments and how markets responded, anchored to Thursday's close.
• Last week’s prominent moves came from Chime, Robinhood, Intuit, American Express, and Chase.