When a regional bank in the Midwest decides whether to build its own payment app or partner with a fintech, someone in...
Ask two analysts to size up the same fintech market and you will often get two different maps, because how fintech competitive...
Every founder who has ever sketched a competitor grid on a whiteboard already knows the feeling: the market looks crowded, and the...
A construction crew in Texas, a nurse in Ohio, and a teenager splitting a pizza bill in California now reach for the...
When a paycheck lands in a banking app at 7 a.m. on a Saturday, it can feel like magic. It is not....
Most Americans now manage their money inside an app that did not exist when they opened their first bank account. That quiet...
America regulates money the way it built its highway system: state by state, agency by agency, with federal interchanges bolted on where...
Behind every smooth onboarding flow in an American banking app sits a chain of approvals that the customer never sees: a partner...
American fintech spent its first decade asking what software could do to finance and is spending this one answering what it should....
Somewhere in every large US financial firm there is now a meeting where a model is told no. The model would lift...
A loan denial used to come with a loan officer’s eyes you could meet across a desk; now it arrives as a...
American banks spent a century asking customers for loyalty and a decade learning to earn it back. The scoreboard finally moved: satisfaction...
When a banking app warns you on Tuesday that Friday’s autopay will bounce, four systems fired in sequence behind a sentence of...
The financial technology (fintech) industry is transforming the way people manage money, invest, and access financial services. Over the past decade, technological...
Inga Karulaitytė, Attorney-at-Law, Partner and Head of Banking and Finance & FinTech at ECOVIS ProventusLaw, examines the narrowing distinction between payment and...
For most of banking history, the org chart decided what customers saw: a checking department, a card department, a mortgage department, each...
Every efficiency America has gained by digitizing money now has a line item trying to claw it back. The country saves billions...
Bank robberies in America peaked decades ago; the getaway car was replaced by a spreadsheet of stolen logins and a chat script...
The same week a Midwestern hospital chain paid a ransom to unlock its billing system, a retiree in Florida wired her savings...