Posts By Reeves Birner
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452Artificial intelligencePropTech in the US: how a $40 billion category is rebuilding the way real estate is bought, leased, and operated
A broker at a Manhattan commercial real estate firm used to start the morning by pulling rent-roll spreadsheets off a shared drive,...
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567Payments
Financial infrastructure systems in the US: how RTP and FedNow built a two-rail real-time payments backbone
The story of US real-time payments since 2017 has been one of two parallel rails maturing into a single operating reality for...
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342Fintech News
Financial systems and institutions in the US: how banks, credit unions, and the regulator constellation hold up the system
The US financial system is held up by four overlapping pillars: chartered commercial banks, credit unions, securities broker-dealers, and the federal regulator...
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302Fintech News
Python for finance in US FinTech: adoption benchmarks, talent demand, and what banks are spending
Python passed an inflection point in US fintech engineering somewhere between 2018 and 2022. It moved from a tool a few quants...
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318Fintech News
R for finance inside US FinTech: where it still wins, who is still hiring for it, and what the data says
R is the language US finance keeps deciding to retire and then keeps using anyway. It powered the original generation of risk-modelling...
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322Fintech News
APIs in US financial services: 13 billion daily calls, the FDX consolidation, and what slows adoption
Industry estimates place daily API call volume across US financial-services platforms in the tens of billions. That number is a rough estimate...
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295Fintech News
America’s Place in the Global FinTech Landscape, Honestly Mapped
If you read every regional FinTech report published in 2025, you end up with the impression that every market is the leader...
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262Blockchain
DeFi in America 2026: Where the Quiet Reset Has Left Real Use Cases Standing
Most Americans who heard of DeFi during the 2020 yield-farming wave have not heard about it since. The category did not disappear,...
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279Blockchain
Tokenization of Assets in America 2026: From Pilot to Plumbing in Capital Markets
For most of 2022 and 2023, the phrase “real-world asset tokenization” sat in U.S. financial conversation alongside flying cars and quantum trading:...
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262Blockchain
Blockchain for Payments in America 2026: Where the Rails Are Quietly Real
Most U.S. consumers have not knowingly used a blockchain payment, but a fast-growing share of U.S. businesses have. The boundary between “crypto...
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243Blockchain
Stablecoin Mechanisms in America 2026: Why the Reserve Model Won and What Comes Next
Three years ago the question about U.S. stablecoins was whether they would survive at all. Two large failures (TerraUSD and a brief...
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627Payments
Digital Banking and Neobanks in the U.S. 2026: Where the Profitable Players Now Sit
Five years ago, the question about U.S. neobanks was whether they could ever achieve profitability without the deposit base of a traditional...
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300Payments
BNPL 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),...
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371Payments
Open 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...
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297Payments
Digital 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...
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315Payments
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...
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564Payments
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...
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90Payments
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...
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74Payments
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...
