Personetics

BNPL, Member Exclusive, Who owns the customer

Affirm’s full-stack ambition is bigger than consumer finance alone

• Affirm began 2026 on the front foot.
• The recent moves by the BNPL firm point to an overarching strategy: expanding from consumer checkouts into B2B distribution and institutional control.

Artificial Intelligence, Banking, Banking as a service, Innovation

Truist’s Dontá Wilson: ‘Innovation without empathy is empty’

• Truist's Dontá Wilson leads 20,000 teammates across digital channels and 1,900+ branches, and he's reimagining both.
• He breaks down Truist's insight-driven branch model, real AI deployments, and why innovation without empathy is empty.

10-Q, Member Exclusive

Coinbase rides the waves of stress and opportunity with its ‘Everything Exchange’ vision

• 'Everything Exchange' reflects Coinbase’s ambition to be a one-stop financial platform.
• Outgrowing its crypto exchange roots brings Coinbase fresh regulatory, competitive, and market challenges.

BNPL, Creating win-win partnerships, Embedded Finance, Member Exclusive, SMB Finance

How embedded BNPL optimizes cash flow for SMBs: Inside the Intuit-Affirm partnership

• The Intuit-Affirm partnership embeds BNPL directly in QuickBooks invoices, transforming accounting into a real-time decision layer.
• In the new fintech partnership model, platforms manage workflows and customers while specialists handle the decision layer to drive scalable results.

AI Innovation, Artificial Intelligence, Banking, Innovation

Citizens’ CIO on the ethos that led the bank into the cloud and beyond

• Citizens CIO Michael Ruttledge explains how the bank modernized by moving entirely to the cloud.
• Ruttledge discusses cloud migration, AI deployment strategy, and building an innovation-driven organizational ethos.