Securing the Agentic Economy: Future of Finance Webinar
Excited to be joining Skyler Fox from @ProveIdentity to lead a webinar exploring the practical requirements for securing the agentic economy and what this means for the future of financial services. Register here: https://t.co/YLubCFXpnR @chyppings #agenticai #digitalidentity https://t.co/xeWxcrgXty
AI Agents Become Profit Drivers, Demand New Accountability
Agentic AI is starting to change something fundamental in financial services: who actually drives profit and loss. We are moving beyond models that inform decisions. AI agents are beginning to price risk, approve loans, detect fraud, handle claims, and manage...
Revolut Must Tailor Services for US Market Success
What Revolut Needs To Do To Succeed In The US Digital bank Revolut reported record annual profits and growth in 2025, and recently filed for a US national bank charter. What does it need to do to succeed here? New Fintech Snark...
Banks Are Deeply Embedded in Private Credit Markets
“They’re all our clients, but I’m shocked that people are shocked,” JPMorgan’s commercial and investment bank. Until 5 years ago, I legitimately thought that private credit was funded by investors not bank debt - all a big RWA/capital game by...
Customers Benchmark Against Their Best Experience, Not Just Banks
Customers compare your experience to the best they’ve ever had, not just other banks. If your personalization falls short, someone else is ready to step in. https://t.co/7raP3Qh4eK
Switzerland's DLT Act Spurs Rapid Bank Crypto Adoption
🇨🇭#Switzerland – global leader in banking adoption of #crypto assets and services: The 2021 DLT Act, in force since August 1, 2021, created legal certainty leading to quick adoption of #cryptoassets by banks. @TheBigWhale_ & @TheCryptoValley Zug: https://t.co/53BVfxYRKt #DigitalAssets #Blockchain
Banks Must Shift Left to Stop Elder Scams
Banks urged to 'shift left' to fight elder fraud https://t.co/TtUy0i7zWZ "a couple lost $2.5 million over the course of a year by purchasing gold bars and leaving them in their mailbox for a fake undercover government courier" https://t.co/hTHQ67yB5E
ServiceNow and Visa Deploy Agentic AI for Payments
ServiceNow and Visa Bind Agentic AI to Payments: A Live Test of Enterprise AI in Regulated, Revenue-Critical Workflow AI-powered payment dispute platform automating end-to-end workflows. ServiceNow's agentic AI + AI Control Tower applied to regulated payments operations. https://t.co/q1KioQdJwE
Mobile Payments Outpace Cards, AI Will Accelerate Shift
The fastest growth in payments is no longer plastic. It is mobile, and with agentic AI entering the picture, that shift is only going to accelerate. https://t.co/bVJV0KZtAo
ECB Launches New Scrutiny of Banks' Private Credit Exposure
You can run, but you can't hide: ECB to Start Fresh Checks on Banks’ Exposure to Private Credit https://t.co/nEqJE6yYDf
Agentic Commerce Reshapes Payments; Providers Must Rethink Differentiation
Thanks to UKI Acquirer Innovation Hub for hosting me last month. We had a great discussion about 'Discoverability in an Agentic World', exploring how agentic commerce will reshape payments and why providers might need to rethink how they differentiate. https://t.co/irpi0R2B2k
Agentic Finance Remembers, Executes—Beyond Robo‑Advisor Limits
Roboadvisors: set it and forget it Agentic finance: set it and it never forgets The difference is memory, context, and execution across protocols
AI Boosts Urgency to Complete EU Savings Union
ECB’s Lane says AI is another reason to finish the EU savings union https://t.co/JggeQpMoCN via @jrandow https://t.co/hnTKZ3Hv8V
Earn Points on Purchases to Boost Profitability by 1%
“If a #smallbiz spends 30% to 50% of sales on purchases, and 1/2 those purchases can earn you points, and, on average, you earn 2% value on those points, you'll increase your businesses profitability by one percentage point.” ¬Credit Card...
Bank Cards Risk Becoming Relics as Digital Wallets
Why bank cards may be heading the way of the cheque book https://t.co/zaDaxd3u0O "digital wallets matter more for future growth" That's what I would have said had anyone asked me, which they didn't. https://t.co/gDOCm9u8sO
Spot Real AI Adoption, Guard Agents Against Scams
The agentic commerce war is live. But how do you tell real adoption from bots inflating numbers? And what happens when a Nigerian prince scam targets your AI agent? Steven Ehrlich and Laurens Fraussen on Bits + Bips: https://lnkd.in/ekwK_zJ2
Generative AI Redefines Banking with Anticipatory Customer Service
In banking, generative AI can create smarter customer experiences, reduce friction, and enable services that anticipate needs before the customer even asks. Branch Tomorrow is out now: https://t.co/7yibAIVrHK https://t.co/oPnuFIaxtu
US AI Rules Put Testing Responsibility on Banks
US AI framework shifts testing burden onto banks “Rather than prescribing detailed rules, the framework signals a model where responsibility for ensuring AI systems are safe, reliable and compliant shifts more directly onto organisations deploying them, with testing, validation and...
Public Split on Whether Mortgage Rates Are Rising
If you look at this chart of mortgage rates, do you say rates are: Up, Flat, or Down? (poll follows below) https://t.co/f44iFahBSk
US Sanctions Expose Risk of Single‑government Payment Systems
Trump sanctioned French judge Guillou over the Netanyahu arrest warrant → Visa and Mastercard had to cut him off because they're American companies bound by US law. A European judge, debanked in Europe, by US sanctions. Maybe we actually need payment alternatives...
Client Demand Forces Wealth Managers to Embrace Bitcoin
Morgan Stanley giving 15,000 advisors access to Bitcoin in their own Trust wrapper is the ultimate validator Not because they believe Because their clients demanded it And when wealth management follows client demand, the market has already spoken
Banks Adopt Crypto but Shun High Stablecoin Yields
Brian Armstrong says that the banks are already integrating crypto and stablecoins Of course they are. It’s the new financial system. They just don’t want to pay you 4 to 5% yield on stablecoins because it hurts their bottom line https://t.co/8Kj5v9xmv7
Tokenized Money Threatens Traditional Banking by 2030
🔺 The $2 Trillion Shift: Is Tokenized Money About to Kill Traditional Banking? 💸 By 2030, tokenized money could be a $2T market. But while the tech is moving fast, the global financial map is becoming a "fragmented mess" of rules. 💬...
US Banks Receive $200 Bn Capital Infusion
The $200bn capital boost to US banks. More on this in the Chartbook Top Links of today. https://t.co/Z0naICa1tz
Tokenization Poised for $500M Savings, Banks Lag
Tokenization at a Turning Point in 2026: NASDAQ Eyes $500M Collateral Savings, IBM Urges Banks to Act – But Interoperability Stalls Topics: ↳ IBM: Tokenization at a Turning Point Banks Can’t Afford to Miss in 2026 (But Most Likely Won’t Act) ↳...
Upvest Secures $125M to Upgrade European Banking Infrastructure
Upvest Raises US$125 Million to Modernise European Banking Infrastructure - Fintech Schweiz Digital Finance News - FintechNewsCH https://t.co/OLsvn5pOuF https://t.co/WwYH1vY8PH
Income Required for $289.9K Home with 3.5% FHA
How Much You Need to Make To Buy a $289,900.00 with a 3.5% down FHA loan
KLAR's Fundamentals Shine Despite 70% Drop
$KLAR -70% since the IPO It's starting to look interesting: - $128B GMV - 118M Total Customers +28% Y/Y - 15.8M Banking Customers +101% Y/Y - FWD Growth of 26% Yes, credit losses are a growing, but that is natural when non-BNPL loans grow 165% Y/Y....
First Mover Builds Agentic Finance, Eclipses Neobanks
Neobanks disrupted banks Agentic finance disrupts neobanks Every category gets eaten by the next abstraction layer The question isn't whether this happens The question is who builds it first
Digital Banking Is Now the Default Channel
If customers can open an account, get support, and manage their finances digitally, why would they do it any other way? Digital is no longer an add on. It is the primary channel. https://t.co/BlcvLGvFUp
Agentic Finance: Autonomous, Invisible Future Beyond Neobanks
Here's what people miss about agentic finance: Neobanks optimized for human decisions Agents optimize for removing decisions entirely Different paradigm Different infrastructure Different winners The future is ambient, autonomous, invisible
Norway Central Bank Accelerates Transparency of Policy Decisions
Norway’s central bank will boost transparency of its monetary policy decisions from next week, expediting the plan after a year of close scrutiny into the credibility of its communications https://t.co/CJDFluoCJ1 via @ottummelas https://t.co/pdSQh8A1U6
Immigrant's Billion‑Dollar Rent‑to‑Credit Empire Exposes Housing Scam
This Nigerian immigrant exposed America's biggest scam. When he discovered millions of renters aren't allowed to buy homes... He built a $1+ BILLION empire that turns rent into credit scores. Here's why banks across America are nervous:
China's Trust Sector Abandons Risky Real‑Estate Debt Model
Caixin: "Driven by a regulatory crackdown on risk in the financial system, China's multitrillion-dollar trust industry is being forced to abandon its old, highly profitable model of funneling funds into non-standard debt for real estate projects and local governments." https://t.co/eN5eDafjR4
Private Credit's Hidden Risk Looms as Rates Surge
Private credit has ballooned to $1.7 trillion. Most loans were underwritten when rates were near zero and oil was at $60. Now rates are 3.5%+ and oil is approaching $100. The assumptions underlying those deals no longer hold. When defaults start, they...
Middle East Conflict Risks Disrupting Crucial Remittance Streams
Middle East conflict threatens to disrupt vital remittance flows: As Iranian strikes on Gulf energy and finance targets enter their fourth week, attention is shifting to how a protracted conflict may impace remittance flows from the region. @TheBanker: https://t.co/4x3Ae5yVhD https://t.co/vPgl44Nolf
Regulators Push Lower Bank Capital, Sparking Risk Concerns
Regulators proposed Thursday letting banks hold less capital, freeing billions for lending, while critics say it increases risks of crises and bailouts.
Citibank Cuts Points Transfers: 25% and 50% Reductions
Citibank Is Slashing Points Transfers To Two Partners April 19 — One Drops 25%, The Other 50% - View from the Wing https://t.co/rX89tynL3G
Simple Digital Onboarding Is No Longer Optional
Digital isn’t optional anymore. If your onboarding experience doesn’t match the simplicity customers get elsewhere, they won’t wait. They’ll move on to someone who makes it easy. https://t.co/ov1HBogOPj
Mortgages Trap Workers, Limiting Job Mobility—Denmark’s Solution
Our mortgage system sucks. One under appreciated reason why is that it reduces labor market flexibility. People won’t move to a better job b/c they are locked into a low priced mortgage. Here’s the danish fix:
Banks Block Stablecoin Yields, Threatening Retail Investors
TLDR: RETAIL IS FXCKED - Banks are scared that yield on stablecoins will "siphon" deposits and do not want to give retail 4-5% YEILD - Allegedly, crypto firms will be BANNED from using terms like "interest" or "yield" for stablecoin rewards, limited...
Court Dismisses Biden Fiduciary Rule, Prompting New Label Strategy
This #WeekendReading: U.S. District Court has formally put an end to the Biden-era Retirement Security Rule (aka "Fiduciary Rule 2.0") after the Trump administration's Department of Labor elected not to defend the rule against lawsuits led by groups representing product...
3.61% APY Savings Adjust with Fed, No Fees
That’s just not true for us. @bankonroger savings is currently 3.61 APY & we adjust with Fed Funds movement. No gimmicks or fees. We do have a cap where interest over 250k is more limited (opposite from most) to contain...
Learn to Move Money & Maximize Apple Card Rewards
Just joining the complex Apple Card ecosystem? It's smart to learn how to move your money around, including funding your Apple Cash. Here's a primer that explains how everything interrelates and how to maximize your rewards: https://t.co/ZPP9OBmIZw #applecard #applecash #banking...
PayPal Expands PYUSD Stablecoin to 70 Countries, Paying Creators
PayPal Scales PYUSD Stablecoin to Reach 70 Countries | https://t.co/ApQ8VoYEl2 https://t.co/RGyJzshUXi YouTube creators can get paid in PYUSD (rolled out for US users)
Investigative Report Exposes Fraudulent Compliance Startup
This is a really damning bit of investigative journalism about a Potemkin compliance startup. Hat tip to Byrne. the spectral signature is not a subtle one, and one wonders whether all companies which paid them were actually defrauded. https://t.co/upQRuWAusZ
Man Exposes Billion-Dollar Debt Scam, Erases Millions
Did you know banks sell your debt for 10 cents on the dollar? Then collectors harass you for 100% of it. Michael Sheen entered this market in 2023. But instead of collecting, he erased everything. Here's how ONE man exposed the BILLION-dollar scam freeing...
Mortgage Rates Jump Above 6.5%, More Hikes Ahead
A 6.50%+ 30-year fixed mortgage rate is coming today. Crazy we had sub-6% rates less than a month ago. It's going to get worse before it gets better.
Keeping Our Digital Bank Inside FDIC Insured Institution Pays Off
Not all fintechs are created equal. So grateful that we started our digital bank, @bankonroger, within our FDIC insured bank @citizensedmond rather than give into the temptation to spin it out.
UBS Tops JPMorgan, $7 T Assets Expands TBTF Club
UBS manages about $7 trillion in assets - the world's largest and nearly double the size of JP Morgan. Not only is TBTF growing, but we're adding members to the club.