Posts By Reeves Birner
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93Fintech NewsFinancial product innovation in the US: how embedded finance and BNPL are reshaping the country’s product mix
The US fintech product mix in 2025 looks fundamentally different from the one operators were pitching to investors in 2020. The shift...
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104Fintech NewsFinTech value chains in the US: how unbundling, re-bundling, and BigTech embedding are remaking the stack
The traditional financial services value chain (origination, underwriting, servicing, settlement, custody) was designed in an era when one institution did all of...
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65Fintech NewsSentiment Analysis for U.S. Markets: Where the Technique Actually Produces Value
Sentiment analysis for U.S. financial markets is one of those techniques that has been claimed as a competitive edge for so long...
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48Blockchain
Central Bank Digital Currencies in America 2026: Where the Wholesale Conversation Is Real
Most U.S. headlines about central bank digital currencies in 2024 and 2025 missed the same point. The retail digital dollar is not...
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89Payments
Cross-Border Payments in the U.S. 2026: How a Multi-Trillion-Dollar Flow Got Faster, Cheaper, and Still Not Easy
The phrase “cross-border payments” hides a striking range of actual experiences. A multinational paying its Singapore subsidiary still moves money over correspondent...
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60Blockchain
Cryptocurrencies and Digital Assets in America Cross 3 Trillion as Stablecoins Edge Into Bank Treasuries
Walk into a primary dealer in New York in early 2026 and one of the screens on the trading floor is showing...
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82Fintech News
Explainable AI in finance: a $7.79 billion market and the 2022 circular that changed the rules
A loan officer in 2015 could tell you why a mortgage was declined by pointing at a FICO score and a debt-to-income...
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53Artificial intelligence
Large language models in finance: a $1.95 billion market and the 85% adoption rate at big banks
An analyst at a Wall Street bank in 2022 would spend half a morning reading a 200-page 10-K to answer a single...
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76Artificial intelligence
AI for financial decision making: a $14.82 billion market and why 91% of asset managers now use it
The first time a junior analyst at a mid-size US asset manager pushed an AI-generated portfolio tilt into an investment committee meeting...
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61Artificial intelligence
NLP in finance: how a $36.8 billion market is rewriting how banks read
A credit analyst at a US regional bank used to spend Monday morning skimming three earnings transcripts, a 10-Q, and four analyst...
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52Artificial intelligence
Big data analytics in finance: how a $394.7 billion market routes $88 billion into banking
A mid-sized US bank now generates more raw data in a single trading day than its entire data warehouse held in 2015....
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84Artificial intelligence
FinTech risk management in 2026: how a $4.19 billion software category became the control layer under modern finance
A risk manager at a US regional bank used to open the week with a thick stack of Monday-morning reports — one...
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94Artificial intelligence
Regulatory frameworks in US finance: how a $7.58 billion reporting software market turned compliance into code
A compliance officer at a US regional bank used to spend the final weekend of each quarter closing out the FFIEC Call...
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130Artificial intelligence
InsurTech in the US: inside the $19 billion category rewriting how insurance is sold, underwritten, and paid
An auto insurer in Ohio used to price a policy by pulling a consumer’s credit score, the vehicle’s VIN, and a census-tract...
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97Artificial intelligence
WealthTech in the US: inside the $8 billion category reshaping how financial advice is delivered and priced
A first-time investor in Dallas used to open a brokerage account by walking into a branch, filling out a five-page form, and...
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114Artificial intelligence
Open Banking in the US: inside the $35 billion category rewriting who owns your financial data
A Chicago software engineer used to paste her checking-account username and password into a budgeting app and hope it did not store...
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96Artificial intelligence
RegTech in the US: inside the $19 billion category turning compliance into code
A compliance analyst at a mid-sized US bank used to spend her Monday mornings manually reconciling sanctions-screening exceptions in a spreadsheet. In...
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104Artificial intelligence
Core Banking Modernization in the US: inside the $20 billion category rewriting the bank system of record
A community bank CIO in Iowa used to schedule her mainframe core upgrade for the third weekend of every quarter and hope...
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139Fintech News
Open innovation in US finance: how banks and fintechs are rewriting the rulebook on partnership
The first time a US retail bank publicly admitted it could not build something faster, cleaner, or better than a fintech partner...
