29 Jun 2021

10-Q, Member Exclusive

SoFi bets the future of finance is fewer handoffs

• SoFi’s recent moves reflect a broader push to cut down the handoffs between financial products, systems, and decisions.
• SoFi Coach is the visible layer of a deeper system in which infrastructure generates data, data generates context, and context produces recommendations.

Insights & Action, Payments

Co-brand debit: The missing layer in modern loyalty

• The average consumer swipes a debit card 40+ times a month. But most loyalty programs only capture credit card transactions.
• Through co-brand debit, your brand earns relevance across the everyday transactions already happening, groceries, dining, transit, subscriptions.

5 questions, Banking, Member Exclusive

KeyBank’s Jeannie Fanning on the relationship gap in modern banking

• When efficiency in transaction processing becomes table stakes, what does it mean to truly know a customer?
• KeyBank's Jeannie Fanning addresses a key question and explains why contextual understanding becomes even more critical as financial services move deeper into automation.

Opinion

Letter from the Editor: Why every fintech firm is starting to look like an infrastructure provider

• Many fintech companies that once sold disruption are now building operational layers.
• Stripe, Plaid, and Modern Treasury are all expanding their influence deeper into the infrastructure layer of financial services.

Banking, Member Exclusive

Regional banks solved for efficiency, now comes understanding customer context

• Pope Leo XIV getting hung up on by his Chicago bank exposes a major industry gap: financial systems master transaction tracking but haven't yet solved for human context.
• The story highlights the gap between having information about a customer and having context about that customer's life.