Recent Posts
News•Jan 12, 2026
Deposits Vs. Payments – What Drives More Value for Banks Today?
Banks are reassessing the drivers of sustainable value, weighing the traditional strength of deposit balances against the growth potential of payment services. While deposits continue to deliver stable net interest income, fee‑based payment volumes and emerging blockchain solutions offer higher‑margin revenue streams. A hybrid model that combines deposit stability with innovative payment capabilities is gaining traction, as illustrated by SoFi’s strategy of expanding deposits while layering advanced payment products. This blended approach aims to balance earnings stability with growth opportunities.
By Tearsheet
News•Jan 8, 2026
Crypto Made a Comeback in 2025 – This Time with Banks Testing the Waters
In 2025 banks began issuing deposit tokens and settling transactions on public blockchains, marking a shift from speculative crypto to institutional use. A regulatory framework under the GENIUS Act now governs stablecoins, giving treasurers confidence to employ tokenized instruments for...
By Tearsheet
News•Dec 22, 2025
How TruStage Ventures Built Connective Tissue Between Fintechs and Credit Unions
TruStage Ventures, the corporate venture arm of $5.5 billion insurer TruStage, has deployed $400 million into 50 fintech startups since 2016 and brokered more than 3,000 partnerships between those firms and U.S. credit unions, which serve roughly 140 million members. The fund’s hands‑on...
By Tearsheet
News•Dec 22, 2025
The Financial Evolution of 2025: AI, Crypto, and Regional Banking
In 2025 artificial intelligence transitioned from a back‑office utility to a strategic decision‑making partner across the banking sector. Crypto assets rebounded, shedding much of the skepticism that plagued them in prior years and re‑establishing a foothold among institutional investors. Meanwhile,...
By Tearsheet
News•Dec 18, 2025
Simplifying Small Business Finances: Inside U.S. Bank’s Award-Winning Approach
U.S. Bank was named Tearsheet’s Best Bank for SMBs, recognizing its Business Essentials suite that unifies checking, payments, payroll, and spend controls into a single digital platform. The bank’s data shows growing adoption of these tools, with small‑business owners consolidating...
By Tearsheet
News•Dec 18, 2025
How FIS Is Helping Financial Institutions Evolve Loyalty Beyond Rewards
At its Emerald 2025 conference, FIS outlined a new loyalty playbook for banks, urging a shift from chasing share of wallet to capturing share of mind first. The firm promotes "embedded loyalty," weaving rewards and engagement directly into the customer...
By Tearsheet
News•Dec 15, 2025
Goldman Sachs Moves Into Predictable Growth with Innovator Acquisition
Goldman Sachs announced on Dec. 1 that it will acquire Innovator Capital Management, adding 159 defined‑outcome ETFs and roughly $28 billion in assets under management. The acquisition gives Goldman a foothold in the fast‑growing buffered‑ETF niche, which uses options to limit downside...
By Tearsheet
News•Dec 15, 2025
Banks Reclaim Commercial Lending Through Technology and Strategic Partnerships
Traditional banks are accelerating technology investments and forging strategic partnerships to reclaim commercial lending from fast‑growing private‑credit markets and AI‑driven fintech rivals. They are shifting resources toward complex loan products, adopting originate‑to‑distribute models, and deploying unified platforms that span front‑...
By Tearsheet
News•Dec 11, 2025
The Power of One: How Citizens’ New Open Banking API Framework Came to Life
Citizens Bank unveiled a unified open‑banking API in mid‑2024, earning the Best New Embedded Finance Platform award at Tearsheet’s Big Bank Theory Awards 2025. The platform, built on FDX standards with a multiplexing engine, serves consumers, small businesses, and large...
By Tearsheet