8 August 2017

Data, Member Exclusive, Podcasts

How Kudos built a consumer data moat on top of credit card rewards

• Kudos started as a tool to help consumers pick the right credit card at checkout but underneath the rewards optimization is something more valuable: a data layer spanning purchase history, credit profiles, and active shopping behavior across 500,000 users.
• Co-founder and CEO Tikue Anazodo explains how that asset is now powering AI agents that negotiate your bills, match you to better financial products, and execute on your behalf.

10-Q

The Week in Market Moves

• This analysis tracks recent specific company developments and how markets responded, anchored to Thursday's close.
• Last week’s prominent moves came from Chime, Robinhood, Intuit, American Express, and Chase.

10-Q, Member Exclusive

Green Dot and the case to make financial experiences feel calmer

• Green Dot is shifting to prioritize "Cortisol UX", a philosophy that aims to absorb user stress by embedding signals into its architecture that increase predictability of interactions.
• The product team is focusing on slowing down paths such as transaction confirmations to reduce cognitive load and uncertainty.

AI Innovation, Artificial Intelligence

Micro Case Study: How American Express is underwriting AI agent error to unlock trust in $trillion-scale agentic commerce

• This micro case study explores a burning question: if AI agents can execute payments, what ensures they execute the right ones?
• We explore this through American Express’s ACE Developer Kit, which verifies intent before execution.

Opinion

Letter from the Editor: Gen Z isn’t confused about money; the system is confusing them

• Gen Z is stitching together its own financial stack across apps, changing what banking relationships look like in the process.
• What Gen Z is really after is contextual relevance – a feeling that the product understands where they are and what they need in that moment.