Super-regional banks are moving away from the one-size-fits-all playbook, focusing on distinct tech layers rather than competing on the same digital features.
Across Citizens, Truist, and KeyBank, modernization is shifting from a technology agenda to a positioning strategy.
What changes when both money and the logic governing its movement become programmable?
If stablecoins become the asset layer and AI agents become the decision layer, Coinbase is positioning itself to be the infrastructure connecting the two.
Today’s analysis examines the widening gap between the AI capabilities being developed and the language used to describe them.
If AI's role is to make banking more efficient, productivity matters. If its role is to redefine decision-making and workflow, productivity may be too narrow a lens.
