Posts By Reeves Birner
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324Fintech NewsAnti-money laundering in US fintech: the compliance category that is rewriting itself
A mid-sized US neobank paid a nine-figure fine in 2024 for a compliance program that, by its own admission, never caught up...
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82Fintech NewsFinancial Data Visualization in the U.S.: Why Chart Selection Is a Substantive Decision
Financial data visualization sounds like a tooling decision and behaves like a communication discipline. The choice of charts, the design of dashboards,...
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68Fintech NewsQuantitative Methods in U.S. FinTech: Where Two Traditions Productively Overlap
Quantitative methods in U.S. FinTech sit in an awkward zone between the trading-floor quant tradition that produced the modern derivatives industry and...
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342Fintech News
Sentiment analysis for markets: how US traders and fintechs turn text into signal
At 4:02 a.m. one morning in March, a single Federal Reserve official’s speech moved equity futures by almost a full percent before...
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71Fintech News
Time Series Forecasting in U.S. Finance: Classical Methods, Modern ML, Probabilistic Outputs
Time series forecasting in U.S. finance is one of the older quantitative disciplines, with classical statistical methods dating back decades and modern...
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79Fintech News
Reinforcement Learning for Trading in U.S. Markets: Where It Belongs and Where It Does Not
Reinforcement learning for trading is a topic that attracts more pitch decks than production deployments. The technique has clear theoretical appeal: an...
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291Fintech News
The US market for secure coding practices: vendors, use cases and where investment is going
A bug in a payroll vendor’s code last year shut down part of the federal supply chain for a week. The fix...
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338Fintech News
Financial inclusion in the US: why 4.2% unbanked is the wrong headline
Most Americans last opened a bank account at a branch; a growing share have never set foot in one. In 2023, the...
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70Fintech News
Cloud Computing in Finance Crosses 200 Billion in Annual Spend as US Banks Quit Legacy Hardware
Open a trading dashboard at any large US bank in 2026 and the underlying compute is almost certainly running on someone else’s...
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98Payments
Mobile payments in the US: 11 taps a month, $450 billion a year, and one platform taking most of the cut
Walk into any American coffee shop at 7 a.m. and half the queue is paying with a phone or a watch. That...
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71Blockchain
Enterprise blockchain platforms in 2025: $31 billion, four platforms, and the quiet rise of permissioned ledgers
In 2017, a Walmart food safety team asked IBM a simple question: could a blockchain cut the time it took to trace...
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67Fintech News
Fraud detection systems in 2025: a $54 billion market run by two card networks
Pull out your debit card at a grocery store in Chicago and, in the 40 milliseconds before the “approved” beep, a neural...
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96Fintech News
Credit scoring algorithms in 2025: 87.5% of US adults now have a score, and the consensus just broke
Two numbers tell you how much the US credit scoring system has changed in the last 15 years. In 2010, 81.6% of...
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429Fintech News
Why digital payments account for over 32% of the UK fintech market
Digital payments now define the UK FinTech landscape The United Kingdom’s fintech sector has undergone a structural transformation over the past decade,...
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449Fintech News
How mobile banking dominance is reshaping UX strategy
Mobile banking has become the default channel for retail financial services Mobile banking is no longer a supplementary service — it is...
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534Fintech News
How neobanks are expanding through embedded finance partnerships
Neobanks have spent their first decade proving they can acquire customers and manage deposits. Their second decade will be defined by how...
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327Fintech News
Why deposit-funded models are improving fintech margins
Rising interest rates, long viewed as a headwind for fintech, have turned into a meaningful tailwind for digital banks with strong deposit...
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385Fintech News
How challenger banks are redefining retail banking economics
Challenger banks entered the UK market promising to disrupt retail banking. A decade later, the disruption is not just in the customer...
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329Fintech News
Why digital banks are outperforming traditional institutions in customer acquisition
Traditional banks still hold the majority of customer deposits globally, but they are losing the customer acquisition battle. Digital banks are signing...
