Oct 20, 2024
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22 min read
Would you ever trust an AI Agent to manage your finances? Plus; As the great de-risking of banks under consent orders continues, Column is a name that keeps popping up. My take inside.
Oct 13, 2024
28 min read
They're the perfect crime. Nobody is liable and with RTP they're easy to get away with. We can fix this, but we've got to up our game.
Oct 6, 2024
16 min read
They're motivated, Pay by Bank is increasingly regulated and the consumer experience has never been better. But this is a payments business not an aggregator business.
Sep 29, 2024
Plus; The DoJ's lawsuit against Visa is weird to me and Plaid's plan to revive growth has no obvious right to win, but don't count them out just yet.
Sep 22, 2024
25 min read
Probably yes. Revolt is. Nubank is. Who's next is a matter of timing and priorities. The new FDIC rule is smart but only a start.
Sep 15, 2024
While 99% of companies are talking a good game, a small few are winning. Ignore the hyperbole; there's a platform shift happening, but not with co-pilots.
Sep 8, 2024
29 min read
International Wires, local clearing all have a last mile problem. There's a third rail now finally, getting traction. Stablecoins.
Sep 1, 2024
24 min read
A more efficient algorithim will always be an edge; if you have enough data and experience to exploit it
Aug 25, 2024
The USA doesn't have a digital-only bank at the 100m+ user scale. Regulation, competition and fragmentation make this hard, but not impossible.
Aug 18, 2024
23 min read
The Proposed FDIC Brokered Deposit rule wouldn't solve SVB or Evolve/Synapse, but it would make small banks less safe and sound
Aug 11, 2024
Is the fed action operation chokepoint or a nothing burger?
Aug 4, 2024
21 min read
What do mobile banking, BNPL, and embedded finance have in common? They were all once "too small to matter."
