Welcome to the fintech fiesta.
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AI agents could open more bank accounts. Who pays to keep them running?
@AllenOsgood, founder and CEO of Eisen, expects a surge in agent-opened accounts, with customers less attached to the institutions holding them.
He puts annual servicing costs at $250 to $400 per account. That makes back office automation a bigger priority, but there are limits:
“You wouldn’t want your agent to talk to your regulator.”
Allen speaks with @NikMilanovic on This Week in Fintech Partnered about AI in banking, dormant accounts and unclaimed assets.
Listen to the full conversation 👇
Produced in partnership with Eisen.
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Does every fintech need to be AI-first?
@JPMorgan Payments' Todd Manning thinks the industry might be getting carried away.
At @money2020, we discussed AI hype, the future of agentic commerce, and why banks and fintechs need to balance speed with trust and compliance.
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You read about these companies every week in TWIF. Come meet the people building them.
Our friends at @FintechNerdCon are bringing the fintech community together in San Diego, November 18-20.
A few people you’ll find there:
Ryan King, Co-founder of @Chime
@immad, Co-founder and CEO of @Mercury
Eric Young, CTO of @nubank
@edawerd, Co-founder and Head of Technology at @GustoHQ
@willrobinson23, CTO of @Plaid
Linda Du, Co-founder and President of @Valon
What goes into building your own banking core? How is AI changing product and engineering? Where do stablecoins actually make payments better?
The conversations your team keeps coming back to are on the agenda: on stage, in live demos, and in small-group roundtables and hands-on workshops.
TWIF readers get 20% off with code TWIF20.
Agenda and tickets in the comments.
#Fintech #NerdCon #Payments #AI
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Explore the agenda and grab your ticket: fintechnerdcon.com/?utm_sour…
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Your company goes public. Getting your shares into a brokerage account could still take weeks.
@robschoder tells @sashafintech why transfer agents are such an expensive problem, even though most shareholders only deal with one once, and how @vinylequity is working to change that.
Also on This Week in Fintech, @bayareawriter unpacks how Vishal Garg regained control of Better's board after being removed as CEO, despite saying he doesn’t want the job back.
🎧 Listen to the full episode: piped.video/EuMPzRdUZBc
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Cross River is expanding its embedded finance offering with plans to acquire Accrue.
The deal will bring branded wallets, payments and loyalty rewards together on Cross River's platform, helping businesses build their own financial experiences.
Accrue CEO Michael Hershfield will join Cross River in a leadership role.
Source: Cross River
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The bot your fraud system blocks could be your next customer.
“We all just spent 15 years blocking bad bots.”
This week on TWIF Spotlight: Fintech X AI, @Jillwillnyc speaks with @sophgoldb, Head of Payments at @raincards.
Letting an AI agent pay raises questions beyond fraud: who authorized it, whose card is it using, and who pays when it gets a purchase wrong?
Sophia breaks down what merchants need to trust agentic payments, where stablecoins help and why cards still have a role.
Listen on This Week in Fintech Spotlight, wherever you get your podcasts.
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Catch the full discussion on Apple Podcasts: podcasts.apple.com/gb/podcas…
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Listen to the full conversation on Spotify: open.spotify.com/episode/3Ia…
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“Stripe is vulnerable.”
@QEDInvestors' Amias Gerety isn't holding back at #Money2020.
His predictions: AI agents will rewrite the economics of payments, bespoke financial products are coming, and today's fintech giants are tomorrow's incumbents.
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A borrower pays every bill on time. Their savings are quietly running out.
How early can a lender spot the problem?
Plaid’s latest credit risk models use cash flow and network data to assess repayment risk. LendScore Arc also analyses the order and timing of transactions, looking for patterns a credit report might not yet reflect.
@bayareawriter explores how the models work, what Plaid’s early testing shows and the questions around explaining AI-informed lending decisions.
Read the full story on This Week in Fintech: thisweekinfintech.com/p/plai…
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Could your next Visa payment come from your crypto wallet?
Mesh is teaming with Visa to enable stablecoin and crypto spending at 175M+ merchants, with funds converted to local currency at checkout.
What does it mean for everyday payments? Get the full story: thisweekinfintech.com/p/mesh…
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“Our adversaries will not announce when they crack quantum code.”
At @money2020 , @AIRinnovate's Nat Weber warns that the banking industry needs to get serious about quantum readiness.
Plus: overhyped digital currencies, regulatory innovation and the future of fintech.
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What does it take to move stablecoin payments from pilot to platform scale?
At @money2020 USA, TWIF founder and CEO @NikMilanovic moderated a discussion with William Artingstall, Rowland Berry, and Renata Camera Santos on what it takes to make stablecoin payments work for platforms and marketplaces.
From interoperability and compliance to reconciliation and real-world adoption, the panel tackled the challenges of moving money across borders and scaling stablecoin payments beyond the pilot stage.
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This Week in Fintech retweeted
Pretty wild growth from business and consumer banking platform @mercury:
- Crossed $1B in annualized revenue
- Now profitable for 4+ years
- Over 450,000 customers
- 1 in 3 U.S. startups are now on Mercury
👏👏👏
Fintech is here to stay.
Made with AI
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The TWIF x @seon_tech Fraud & Risk Leaders Welcome Dinner brought together senior leaders from across payments, digital banking, lending, and fintech in Las Vegas last night to kick off @money2020 USA.
An evening of candid, off-the-record conversations, fresh perspectives, and meaningful connections with the people shaping the future of fraud prevention, risk, and compliance
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This Week in Fintech retweeted
Great to sit down with @Lead_Bank's @jackiereses and hear more about how they're reinventing full-stack banking for agents as the primary user.
The shift is inevitable.
How banks decide to embrace it is optional.
Lead just published a full federal framework recommendation for regulating agentic banking. I highly recommend the read 🔥
Thanks for swinging by the event.
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“Credit acts as insurance for our customers for when bad things happen.”
For workers with irregular income, fewer client bookings can mean no earnings that week. Household expenses don’t stop.
@dougricket, founder and CEO of @PayJoy, tells @katieeperry how customers use credit to bridge those gaps and spread repayments over time on This Week in Fintech Partnered.
Listen to the full conversation on This Week in
Fintech, wherever you get your podcasts.
Sponsored episode, produced in partnership with @PayJoy.
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