Posts By Reeves Birner
-
328PaymentsBNPL Systems in the U.S. 2026: Where the Category Stopped Being a Gold Rush and Started Being a Business
For most of 2021 and 2022, the U.S. buy-now-pay-later category was a venture-funded gold rush. Affirm, Klarna, Afterpay (now part of Block),...
-
410PaymentsOpen Banking Infrastructure in the U.S. 2026: How CFPB 1033 Is Reshaping the Plumbing
Open a brand-new fintech budgeting app in May 2026, paste your bank, click connect, and you almost never get the username-and-password screen...
-
327PaymentsDigital Wallet Infrastructure in the U.S. 2026: What the Tap-to-Pay Boom Looks Like Underneath
Walk into a cafe in midtown Manhattan in May 2026, watch the line for ten minutes, and you will see roughly two...
-
349Payments
Contactless Payments in the U.S. 2026: Why a Slow Country Finally Caught Up
Stand at the checkout of a Whole Foods in any U.S. city in May 2026, and you will see roughly four out...
-
606Payments
Peer-to-Peer Payments in the U.S. 2026: Where the Volume, Profit, and Fraud Are Now
Split a dinner check at any U.S. restaurant in May 2026 and the workflow takes about thirty seconds, with no awkwardness about...
-
118Payments
Payment Service Providers in the U.S. 2026: How the PSP Stack Got So Crowded
Open the payments documentation of any new U.S. e-commerce store launched in May 2026, and the integration choice list runs a page...
-
101Payments
Merchant Services in the U.S. 2026: Why the Old Acquirer Stack Is Finally Cracking
Walk into any independent restaurant in any U.S. city in May 2026, and the payment terminal on the counter is more often...
-
118Fintech News
AI for Financial Decision Making Now Touches Most Major US Bank Workflows
Picture a credit underwriter at a US regional bank in 2026 pulling up a borrower file. Before the file even loads, an...
-
100Payments
Cross-Border Payments in the US Hit 1.8 Trillion in Annual Volume as Stablecoins Steal Bank Share
A US treasurer trying to send a payroll batch from New York to Singapore in 2026 has more options than at any...
-
250Blockchain
Smart Contracts in America Move Past Hype as Institutional Volume Crosses 850 Billion
On a Tuesday morning in March 2026, a US Treasury operations desk processed a 50 million dollar money-market fund subscription that settled...
-
329Fintech News
Big Data Analytics in Finance Has Quietly Become a 75 Billion US Spending Category
On a Sunday evening in early 2026, a quant team at a US Tier 1 bank kicks off the weekly recalibration of...
-
371Fintech News
Sentiment Analysis for Markets Has Become a Routine Input at US Quant Funds and Big Banks
On the morning of a CPI release in February 2026, three US hedge funds with no public connection between them placed nearly...
-
274Fintech News
What Mobile Banking App Development Has Become at US Banks in 2026
A decade ago a US bank mobile app was a thin window onto the bank’s existing systems. Open it, see a balance,...
-
244Fintech News
Why Unit Testing in Financial Applications Is Not Optional at US Banks
The most expensive bug in a US bank is the one nobody catches before it touches a customer balance. The reconciliation surface...
-
347Fintech News
The Five Underweighted FinTech Industry Trends Reshaping the U.S. Market
Industry-trend lists in FinTech tend to age badly. The 2022 lists were dominated by buy-now-pay-later and crypto. The 2023 lists were dominated...
-
272Fintech News
The Financial Systems Architecture Patterns That Separate Survivors From Rewrites
Financial systems architecture is a dry phrase for the most consequential set of design decisions any FinTech company makes. Get the architecture...
-
294Fintech News
U.S. Financial Inclusion in 2026: Why the Unbanked Number Is No Longer the Right Number
Financial inclusion in the United States is a misleadingly simple phrase. The country has one of the highest account ownership rates in...
-
337Fintech News
How U.S. Banking Is Actually Evolving in 2026: Five Shifts the Headlines Miss
The phrase “evolution of banking” tends to attract a particular kind of slide deck. A timeline runs from the Medici family through...
-
244Fintech News
Designing RESTful Financial APIs That Survive a Decade in U.S. FinTech
RESTful APIs are the lingua franca of modern financial systems integration. Banks, fintech platforms, regulators, and data providers all converge on REST...
