31 Oct 2019

10-Q, Member Exclusive

PayPal doesn’t have a growth problem – it has a positioning problem

• At a time when payment winners must command either infrastructure or interface, PayPal is awkwardly positioned between the two.
• The questions now are: Where does PayPal sit in the payments ecosystem, and does that position still matter? What unique role does it play in a stack that increasingly bypasses middle layers?

Building a platform, Future of Investing, Member Exclusive

How two Gen Z women founders are making wealth-building accessible

• Two Gen Z women entrepreneurs founded Alinea Invest with a clear goal: to make investing approachable and relevant from day one for young investors.
• The firm is carving out its path in a niche of finance, guided by a clear value proposition and a willingness to question the usual rules of the game.

Innovation, Partner, Podcasts

How KeyBank and Qolo are modernizing corporate treasury without ripping out the core

• Legacy treasury systems force companies to manage dozens of accounts manually. Virtual account management offers a modern fix without replacing core infrastructure.
• KeyBank's Bennie Pennington and Qolo's Patricia Montesi discuss building a real-time VAM platform together, processing $40B+ in transactions.

10-Q, Member Exclusive

The slow death of interchange as a standalone growth engine

• Interchange has long served as the go-to, dependable revenue source for payments-first fintechs.
• Today, interchange alone can’t drive sustainable economics; lasting profit comes from recurring relationships, services, and value-added tools.

Banking, Member Exclusive

Why fintechs are transitioning from partners to principals in banking

• The wave of charter filings in the first quarter of 2026 underscores shifts in fintech business and regulatory dynamics.
• Direct supervision by banking regulators is demanding, but fintechs increasingly see it as offering greater operational certainty than fragmented licensing and partner oversight.