Posts By Reeves Birner
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1Fintech NewsPrinciples of Financial Technology in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A US chief operating officer recently described her firm’s fintech vendor selection process as “principles before products.” Her team evaluates each new...
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3Fintech News
How Principles of Financial Technology Works: A Guide for the US Financial Market
A US fintech founder spent a recent industry panel describing her product strategy as “five principles, applied in order, every quarter.” The...
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3Fintech News
Principles of Financial Technology Explained: What It Means for Consumers and Businesses in the USA
If a US consumer could see only one piece of information about a fintech app before deciding to use it, the most...
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3Fintech News
Financial Markets & Instruments in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
Most Americans will never stand on a trading floor, yet nearly every paycheck, mortgage, and retirement balance is wired into one. The...
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6Fintech News
How Financial Markets & Instruments Works: A Guide for the US Financial Market
On most US trading days, the New York Stock Exchange and Nasdaq together handle about 12 billion shares of equity volume, plus...
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4Fintech News
Financial Markets & Instruments Explained: What It Means for Consumers and Businesses in the USA
The single most common financial instrument held by US households in 2026 is a US Treasury security, often through a money market...
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5Fintech News
Economics of FinTech in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A small-business owner in Tampa recently switched her card acceptance from a major incumbent processor to a vertically integrated fintech and saved...
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7Fintech News
How Economics of FinTech Works: A Guide for the US Financial Market
A US neobank that charges no monthly fee, pays the customer a positive interest rate, and still earns a margin on every...
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7Fintech News
Economics of FinTech Explained: What It Means for Consumers and Businesses in the USA
Every time a banking app waives a monthly fee or a buy-now-pay-later button appears at checkout, someone has already done the math...
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7Fintech News
Financial Systems & Institutions in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
The single best illustration of how the US financial institutional system actually works for Americans is the gap between waking up and...
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9Fintech News
How Financial Systems & Institutions Works: A Guide for the US Financial Market
A Wednesday morning ACH file leaves a Cincinnati bank at 8:30, joins about 100 million other entries inside the Federal Reserve’s batch...
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7Fintech News
Financial Systems & Institutions Explained: What It Means for Consumers and Businesses in the USA
When the FDIC took over Silicon Valley Bank on a Friday in March 2023 and reopened the bank on the following Monday,...
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58Fintech News
History of Financial Innovation in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A New York-based small-business owner recently observed that her great-grandmother’s 1953 deposit slip is barely distinguishable from the deposit confirmation she received...
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61Fintech News
The History of Financial Innovation in the US: How America’s Financial Markets Evolved
If a person were trying to find a single living artifact of US financial innovation, they could do worse than walking into...
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73Fintech News
What the History of Financial Innovation Reveals About the Future of Finance, Fintech and Business in America
The credit card that lives in most American wallets today is a direct descendant of a 1958 mailer sent unsolicited to about...
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86Fintech News
Digital Transformation in Finance in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A construction supply distributor in Indiana spent most of 2024 trying to figure out why its accounts receivable cycle had stretched from...
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89Fintech News
How Digital Transformation in Finance Works: A Guide for the US Financial Market
When a regional US bank decided in 2024 to replace its 30-year-old core system, the project plan called for 42 months, three...
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19Fintech News
Recommendation Systems Explained: What It Means for Consumers and Businesses in the USA
How recommendation systems rank financial products for US consumers and what they mean for banks and fintechs.
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90Fintech News
Digital Transformation in Finance Explained: What It Means for Consumers and Businesses in the USA
A US community bank chief executive recently described her institution’s digital transformation as “replacing the engine while the plane is in the...
