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tearsheet. co > banking > for-u-s-bank-embedded-finance-was-step-one-the-self-reinforcing-model-is-step-two

For U. S. Bank, embedded finance was step one. The self-reinforcing model is step two.

1+ hour, 52+ min ago  (164+ words) These actions show how the Minneapolis-based lender is reorganizing itself around a methodical strategy focused on how quickly it can integrate, how intelligently it can respond, and how deeply it can embed itself in the systems where financial decisions are…...

Tearsheet
tearsheet. co > partner > how-huntington-modernized-without-touching-the-core-ft-qolo

How Huntington modernized without touching the core ft. Qolo

1+ hour, 52+ min ago  (685+ words) The standard prescription for this problem is core replacement. However, banks are increasingly moving toward augmentation. Rather than replacing the core, banks are building around it, layering modern infrastructure above it to deliver capabilities the core was never meant to…...

Tearsheet
tearsheet. co > podcasts > squarespaces-corey-zettler-on-building-a-financial-services-suite-for-small-businesses

Squarespace's Corey Zettler on building a financial services suite for small businesses

1+ day, 1+ hour ago  (686+ words) It's a familiar playbook, Shopify has run it, Stripe has run it, but Squarespace is doing it for a specific kind of entrepreneur: the creative, the maker, the small business owner who wants to run their whole business from one…...

Tearsheet
tearsheet. co > 10-q > the-work-beneath-the-work-how-j-p-morgan-bofa-u-s-bank-and-citi-are-rebuilding-their-internal-systems

The work beneath the work: How J. P. Morgan, Bof A, U. S. Bank, and Citi are rebuilding their internal systems

3+ day, 1+ hour ago  (194+ words) Four major bank moves made the headlines this week: one aimed at small business, two centered on AI tools, and the other shutting down an acquisition rumor. In the broader view, these moves show the largest US banks are reorganizing…...

Tearsheet
tearsheet. co > banking > what-a-bank-client-relationship-looks-like-when-banks-control-the-data-behind-the-ux

What a bank-client relationship looks like when banks control the data behind the UX

1+ week, 1+ hour ago  (215+ words) The relationship between clients and banks has been structured around a destination model, where businesses log in, navigate dashboards, export data, and piece together insights. Grasshopper is working to dismantle that model. In August 2025, the digital bank launched its Model…...

Tearsheet
tearsheet. co > future-of-investing > how-two-gen-z-women-founders-are-making-wealth-building-accessible

How two Gen Z women founders are making wealth-building accessible

2+ week, 1+ hour ago  (236+ words) Before founding Alinea Invest, co-founders Eve Halimi and Anam Lakhani were where many ambitious young financial graduates aim to be: interning on Wall Street. That experience gave them a front-row view of how wealth management works under the hood. What…...

Tearsheet
tearsheet. co > 10-q > why-payoneer-wants-fewer-but-much-larger-customers

Why Payoneer wants fewer " but much larger " customers

3+ week, 3+ day ago  (217+ words) Tearsheet Why Payoneer wants fewer " but much larger " customers - Payoneer's leadership is prioritizing sustainable profitability over the industry's old growth-at-any-cost mindset. - Fintech is entering its next phase " moving beyond the early race for sign-ups toward a model built on Saa…...

Tearsheet
tearsheet. co > partner > how-modern-treasury-is-building-a-payments-platform-for-a-hybrid-money-world

How Modern Treasury is building a payments platform for a hybrid money world

4+ week, 2+ day ago  (765+ words) For years, companies that needed to move money at scale faced the same frustrating tradeoff: build their own bank integrations and compliance infrastructure " a process that could take months " or stitch together a patchwork of specialized vendors, each covering a…...

Tearsheet
tearsheet. co > the-quarterly-review > the-quarterly-review-wises-scott-viohl-wins-audiences-through-humor-and-creator-led-marketing

The Quarterly Review: Wise's Scott Viohl wins audiences through humor and creator-led marketing

4+ week, 2+ day ago  (217+ words) Tearsheet The Quarterly Review: Wise's Scott Viohl wins audiences through humor and creator-led marketing - Over the past quarter, Viohl set out to scale Wise's North American presence and shift the brand's creative approach toward entertainment-first marketing. - His team sharpened its…...

Tearsheet
tearsheet. co > 10-q > q4-2025-in-consumer-finance-fintechs-move-from-user-counts-to-dollars-per-engaged-customer

Q4 2025 in Consumer Finance: Fintechs move from user counts to dollars per engaged customer

1+ mon, 1+ hour ago  (234+ words) Late February 2026, Block and Chime reported their Q4 2025 results. The numbers illustrate that Block is leveraging AI and a leaner workforce to drive efficiency and monetize its most engaged users, while Chime is doubling down on multi-product adoption and responsible credit…...

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