Posts By Reeves Birner
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266BlockchainBlockchain fundamentals: what US financial institutions actually need to understand
A US regional bank’s chief technology officer recently described blockchain education inside her organisation this way: “Most of my senior team can...
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483Fintech NewsMachine learning in finance: where US firms are actually getting value
A mid-sized US lender replaced a 20-year-old rules-based fraud system with a machine-learning model last year and cut its false-positive rate by...
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346PaymentsACH systems in the US: the rails underneath almost every fintech product
On a typical Wednesday afternoon, more money moves through the US Automated Clearing House network in a few hours than most state-level...
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429Fintech News
The economics of fintech: how the US industry makes money now
A venture investor who led a Series A in a US consumer fintech in 2019 recently described the deal as a product...
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286Payments
Payment apps in Connecticut: what’s driving adoption in a state with a banking pedigree
In a Hartford coffee shop, the barista rings up a customer through a Square terminal and the customer pays with Apple Pay...
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295Blockchain
Blockchain development labs: who’s building the next wave of US financial infrastructure
One of the largest US asset managers maintains an internal team whose only job is to write production code against public blockchains,...
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348Fintech News
Metaverse and financial services: what US banks actually built after the hype wore off
A major US bank opened a virtual branch inside a gaming platform in 2022, held a press event for it, and quietly...
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375Fintech News
Platform economics in US fintech: why the unit-economics conversation has changed
A US neobank with over 10 million users spent most of 2023 explaining to investors that scale without net interest margin is...
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348Fintech News
Anti-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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104Fintech News
Financial 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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89Fintech News
Quantitative 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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373Fintech 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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97Fintech 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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103Fintech 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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316Fintech 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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366Fintech 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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87Fintech 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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130Payments
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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89Blockchain
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...
