Business schools teach the failures of the 2008 crisis in forensic detail, but the fintech decade that followed produced its own curriculum,...
The United States runs on a handful of agreements most citizens have never read: that a card swipe clears, that a payroll...
Every payments founder eventually draws the same diagram on a whiteboard: merchants on one side, consumers on the other, and an arrow...
A payment card that works at one store is a curiosity. The same card accepted at sixty million stores is an institution,...
Somewhere in a Midwestern operations center tonight, a screen will flag a payment that looks one percent wrong, and a person who...
Follow one paycheck on its trip from an employer’s account to a worker’s Friday-night dinner and you will pass through more systems...
When a debit card works on vacation, nobody thanks the reconciliation team. The visible parts of finance, apps, cards, branches, sit on...
A farm stand in rural Ohio that took only folded bills five years ago now takes tap-to-pay from a phone mounted beside...
Order a ride, and by the time the car arrives, a dozen financial events have already settled: an identity check, a card...
An American teenager can now earn wages from a gig app, get paid the same day, buy lunch with a phone tap,...
In hundreds of American county seats, the grandest building on Main Street is a former bank, and the nearest actual bank is...
Where strategy fundamentals get applied in US fintech, what they return, and the lanes open through 2031.
The quarterly operating loop behind fintech strategy: scan, score, decide, instrument.
The four questions behind every durable fintech strategy, and what they mean for US consumers and businesses.
Use cases, benefits, risks, and long-run opportunities of stakeholder analysis in American fintech.
A practical guide to how fintech stakeholder analysis works: inventory, scoring, the grid, and what FedNow did to the map.
Who holds power in US fintech? A stakeholder analysis of consumers, banks, regulators, and investors in a $66.82 billion market.
A guide to the method behind financial service design, from research and journey mapping to prototyping, testing and measurement.
What financial service design is, why it has become a competitive edge, and what it means for consumers and businesses in the...