Posts By Reeves Birner
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477Fintech NewsOpen Innovation in US Finance: Why Banks Now Spend More on Outside Builders Than Internal Labs
Inside Charles Schwab’s San Francisco offices a few years ago, the most productive engineering team did not actually work for Schwab. It...
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333Fintech NewsR Programming for US Finance in 2026: Where It Still Wins and Where Python Has Quietly Taken Over
Walk into the quantitative analytics team at a US insurer or a major bank and you can usually tell, within five minutes,...
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379Fintech NewsAPIs in US Financial Services: 13 Billion Calls a Day and a Quiet Reshaping of How Banks Compete
The first time a US consumer authorised a Plaid token to link their checking account to a fintech app, in 2014, the...
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302Fintech News
Distributed Systems in US Finance: How a Five-Nines Trade Engine Actually Stays Up at 9:30 a.m.
At 9:29:55 on a US equities trading day, a handful of distributed systems engineers at the major exchanges and at every tier-one...
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361Fintech News
Database Systems for US Finance in 2026: Why Postgres Won and Where Specialist Stores Still Live
Three years ago, a CTO at a mid-tier US neobank made an unusual bet. He told his team to throw out their...
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320Fintech News
Event-Driven Architecture in US Finance: How an Append-Only Log Quietly Became the System of Record
The reconciliation team at a US neobank used to spend three of every five business days chasing a single class of bug....
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282Fintech News
Predictive Modelling in US Finance: What Has Actually Replaced the Spreadsheet Forecast
A treasury team at a mid-size US bank used to plan its quarterly liquidity moves by exporting six Excel files into a...
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271Fintech News
Natural Language Processing in US Finance: How Filings, Earnings Calls and Customer Complaints Got Read by Machines
For most of the 2010s, the most expensive way to read a 10-K filing at a major US asset manager was to...
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323Blockchain
Decentralized Finance in the US in 2026: Where the Liquidity Is, Where the Regulators Are and What Survived
In April 2021, the total value locked in decentralized finance protocols sat at roughly $80 billion, and the most-quoted yield on any...
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299Blockchain
Blockchain Scalability in the US in 2026: How Rollups Quietly Did the Job Sharding Was Supposed To
In 2020, a single Uniswap swap on Ethereum could cost a US retail user more than forty dollars in gas at peak...
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424Fintech News
Digital Banking and Neobanks in the US: The Quiet Customer Migration That Reshaped Retail Banking
A Wells Fargo branch on a Tuesday afternoon in suburban Phoenix used to handle roughly eighty walk-in customers a day. Today the...
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441Payments
Cross-Border Payments From the US in 2026: How Stablecoins, RTP and Correspondent Banks Now Split a $1.8 Trillion Year
The last time a US small-business owner sent a $40,000 invoice payment to a Mexican supplier through their incumbent bank, the wire...
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304Fintech News
Super Apps in US Finance: Why the Bundled Experience Keeps Almost Working and Never Quite Wins
A US retail user in 2026 typically holds eleven separate financial relationships at once: a checking account, a brokerage, a credit card,...
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575Fintech News
Robo-Advisors in the US in 2026: From $1 Trillion in Managed Assets to the Quiet Pivot to Hybrid Advice
A Schwab branch manager in San Diego likes to tell a story about a customer who walked in two years ago to...
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619Fintech News
Algorithmic Trading in US Markets in 2026: How the Buy Side Quietly Took the Reins From the Sell Side
For most of the 2010s, the smartest algorithmic trading code in US equities lived inside the sell-side market makers at Citadel Securities,...
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557Fintech News
Cybersecurity in US Financial Systems in 2026: How a 14 Billion Dollar Defence Spend Quietly Reshaped Bank Operations
At 3:14 a.m. on a Sunday in March, the security operations centre at a top-five US bank caught a credential stuffing attack...
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301Blockchain
Zero-Knowledge Proofs Move Into US Bank Production Stacks
In March 2025 the Office of the Comptroller of the Currency confirmed in Interpretive Letter 1183 that national banks may engage in...
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253Blockchain
Cross-Chain Bridges Move Into US Enterprise Production
In March 2024 BlackRock launched its first tokenised fund on a public blockchain, the BlackRock USD Institutional Digital Liquidity Fund, ticker BUIDL,...
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254Blockchain
Automated Market Makers Move to v4 With Hooks and Layer-2 Volume
On January 31, 2025, Uniswap shipped v4, the largest single upgrade to a decentralised exchange protocol in the history of decentralised finance....
