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Site title: Tearsheet – Authority, insight and honesty on the financial services industry and money.

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There’s a tension at the heart of modern banking that technology doesn’t seem to totally resolve: how do you be both, digitally excellent and deeply human at the same time? Most banks have picked a lane: either betting on digital efficiency or doubling down on relationship banking. But consumers aren’t asking for one or the other. They want both. They want the...


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Coinbase is trying to bridge two financial worlds: crypto and traditional finance, while navigating the challenges of public policy.

Coinbase [NASDAQ: COIN] is outgrowing its early role as a simple crypto exchange.

Recent move...


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For years, fintech competed by building better products. Now it’s competing for something more valuable: control of the moment when a financial decision is made.

The recent Intuit-Affirm partnership offers a clear window into this shift. By embedding Affirm’s pay-over-time directly into QuickBooks invoices, the companies are transforming...


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Not all banks are stuck in the mainframe era.

Today, we look at Citizens, which has been on an impressive modernization and innovation journey, speaking with the bank’s Chief Information Officer and Head of Technology Services, Michael Ruttledge, to understand how one of America’s oldest institutions shed the weight of legacy technology, moved e...


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The new battleground in banking is intelligent operations and scalable execution.

In 2026, banking is about moving money smarter, faster, and with fewer humans in the middle. Across corporate finance and global...


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