15 June 2017

10-Q, Member Exclusive

Banking: AI, automation, and the rise of digital-first scale

• From AI agents at Goldman to automation at Truist and lean growth at Nubank, the contours of a modern banking model are emerging.
• Banks are rethinking human-machine cooperative roles and new ways to scale.

Member Exclusive, Numbers with Narrative, Policies & Playbooks

Open banking’s paywall era – and what it means for banks, fintechs, and policy in 2026

• Financial innovation doesn’t follow a straight path. When it swerves, the clash between ideals and economics comes into focus.
• With data volumes surging and regulatory clarity still elusive, a harder question is emerging: If access to financial data is commercialized, how “open” is open banking – and who ultimately bears the cost?

Banking, Banking as a service

Affirm’s move to become a bank signals a reconfiguration for the BaaS industry and beyond

• Affirm and major fintechs are applying for bank charters to eliminate sponsor dependencies and improve economics.
• The shift from fintech-bank partnerships to direct competition calls into question legacy institutions' longtime market dominance.

10-Q, Member Exclusive

Why some major banks are bringing embedded finance in-house

• Capital One’s Brex acquisition exemplifies a broader shift: incumbent banks reclaiming embedded finance as a core competency.
• A small group of major banks is taking embedded finance in-house, leveraging scale to assert control over risk, economics, and strategic differentiation.

Banking, Embedded Finance, Member Exclusive

The ‘discovery’ problem in embedded finance – and how OMB Bank found the right fintech partner

• Despite rapid innovation and growth in embedded finance, one area remains largely unchanged: how banks and fintechs initially connect.
• Treasury Prime identifies discovery – not diligence – as the real bottleneck in embedded finance, with AI now positioned to overcome it.