Banking,
Banking as a service,
Member Exclusive
- What it takes for a bank to scale in the US today – and still stand out – in a market where innovation is easy to claim but regulatory credibility is far harder to earn.
- Thread Bank offers a useful lens into this reality. It operates through a partnership-led embedded banking model to expand its distribution and reach new clients.
Sara Khairi | April 23, 2026
Podcasts
- Roughly 100 million Americans are invisible to traditional credit systems, either unscored, thin-filed, or misrepresented by data that doesn't reflect their actual financial lives.
- Juan Hernandez of Block explains how the company used first-party data and alternative underwriting models to extend over $200 billion in credit across Cash App, Square Loans, and Afterpay — while keeping pricing low and access wide.
Zack Miller | April 22, 2026
AI Innovation,
Banking
- Back-office AI is where most banks start, but only 16% have a coherent strategy, meaning most investment is tactical, not by design.
- Data silos and API gaps, and organic employee adoption is the clearest signal of readiness.
Rabab Ahsan | April 21, 2026
10-Q,
Member Exclusive
- By most measures, Q1 2026 was a quiet quarter for banks: spending held up, credit stayed resilient, and revenue growth met expectations.
- Wall Street banks like J.P. Morgan Chase, Citigroup, and Wells Fargo spent the quarter tightening their grip on cash flow, payments, and customer interfaces.
Sara Khairi | April 20, 2026
AI Innovation,
Artificial Intelligence,
Member Exclusive
- AI agents today can assist, recommend, and execute tasks under human-defined limits. The missing piece is a layer that makes those actions verifiable, controllable, and secure – that is what Amex’s ACE Developer Kit is built to address.
- The balance between automation, constraint, and accountability may become a key design principle of early agentic commerce.
Sara Khairi | April 16, 2026
