18 May 2021

Creating win-win partnerships, Partner

How to build a partnership that can survive market disruptions, power growth, and serve millions of customers ft. Cross River and Best Egg

• Most bank-fintech relationships start strong but struggle to evolve beyond basic services, leaving fintechs trapped between point solutions and the sophisticated infrastructure they need to scale.
• Cross River's Adam Goller and Best Egg's Ritterbeck reveal how their 12-year partnership weathered three major market crises and evolved from simple loan origination into complex capital markets solutions, offering a blueprint for fintechs seeking partners who can grow with them.

Banking, Who owns the customer

Open Banking and its odd three-body problem

• Both banks and fintechs are trying to shift the tide of the Open Banking 1033 regulation in their favor, with banks like Wells Fargo and PNC insisting that fintechs go through bank-backed providers like Akoya for data sharing requests. On the other hand crypto fintechs are requesting the White House to rule in the favor of a fee-free 1033 regulation.
• Reports are coming out showing that the CFPB may be axed entirely, in this article we break down how the moves made by the government, banks, and fintechs have collectively destabilized progress on 1033.

10-Q, Member Exclusive

The fintechs that refuse to stand still

• Robinhood, Upstart, and LendingClub tell a bigger story about where fintech is likely headed in 2026.
• Robinhood is chasing the frontier, Upstart is testing its own limits, and LendingClub is proving that sometimes, the most radical thing a fintech can do is simply perform like a bank.

Banking, Partner

How CFOs can regain strategic control in times of economic volatility ft. FIS’ Chrissy Wagner and Seamus Smith

• CFOs are abandoning quarterly planning for week-by-week assessments as trade tensions and supplier volatility force short-term thinking over strategic growth.
• Seamus Smith and Chrissy Wagner of FIS explain how data quality, AI-powered credit risk management, and digital check solutions help finance leaders navigate uncertainty while modernizing their operations.

4dFI global fintech podcast, Podcasts

Banks or Pipes: Where financial institutions go when agents take over

• AI agents are reshaping financial services, forcing banks to choose between building proprietary models, becoming infrastructure providers, or leveraging trust through partnerships.
• With web traffic down 20-30% and Capital One seeing 55% engagement boosts from AI concierges, the transformation is already underway.