In the United States the most useful financial apps are often the product of cooperation between firms that used to compete. Open...
A new feature in your banking app often begins not with your bank, but with a partnership you never see. Understanding how...
For most of the last century a bank improved by building behind closed doors and guarding what it made. That habit is...
In the United States the platform has quietly become the default shape of a financial product. Platform-based financial systems now sit behind...
Open a modern finance app and you are really looking at a control panel for a hidden engine room. That engine room...
The app on your phone that lets you bank, invest, pay a friend, and split a bill is rarely the work of...
In American commerce the value chain is invisible until it breaks, and then everyone notices at once. Fintech value chains in the...
Follow a single dollar through a modern payment and you will watch it pass through more hands in two seconds than it...
Every time a shopper taps a card and a small business sees the money land, dozens of companies have quietly done their...
In a country with some of the world’s most advanced financial technology, millions of households still operate largely in cash, a contradiction...
A worker paid in cash on Friday once had no way to save safely, borrow fairly, or send money home without losing...
For millions of Americans, the simple act of cashing a paycheck still costs money, a fee paid to a storefront because a...
Drive through any American town and you will pass a check-cashing store, a bank branch, and a coffee shop where a teenager...
Watch a new feature appear in your banking app and it can feel like magic, but behind it sits a chain of...
The first time someone tapped a phone to split a dinner bill, they were taking part in an idea that economists had...
More venture money flows into US financial startups than into those of any other country, and that head start defines the fintech...
Behind every slick finance app sits a chain of investors, banks and software firms most users never see. Understanding how the fintech...
Open a banking app to split a dinner bill and you are using a piece of an industry that barely existed twenty...
Swipe a debit card at a coffee shop and the payment races through layers of software older than most of the people...