Financial infrastructure is becoming part of the business itself, changing what customers are willing to outsource.
Providers now have to grow with their customers and keep expanding their value as those customers begin to question how much of the stack they should continue to outsource.
Intuit is opening up its financial intelligence to AI agents, while SoFi is making its infrastructure programmable.
Both firms are betting that the layers beneath their products can become businesses in their own right, creating value across new interfaces, businesses, and customer relationships.
