We dive into two stories. First, how Trump's proposed credit card rate cap benefits fintechs like Affirm and Bilt, who target consumers seeking alternative credit sources.
Second, Amazon and Perplexity clash over AI shopping agents, revealing uncertainty about guardrails and customer relationship ownership in agentic commerce.
Customers are redirecting their day-to-day financial transactions elsewhere, while keeping their old accounts on the books.
Although some banks pick up early signals yet miss the issue before it fully surfaces, fintechs and neobanks, on the other hand, see this same issue as a compounding opportunity.
Most banks and credit unions still manage digital banking as IT projects rather than products that need constant refinement based on user behavior.
Listen to this podcast to learn how a product-led approach transforms digital banking from a feature factory into a strategic channel that drives adoption, reduces support costs, and improves customer satisfaction.
