Tearsheet

The fintech bargain with banks is getting harder to maintain. Companies that built the customer experience while leaving deposits, lending, and regulatory oversight to a partner bank increasingly want the charter themselves. Bunq just ran into the reality

In this edition we will spotlight Jeff Pomeroy, Payment Services & Crypto. Executive Summary Six months after setting an ambitious agenda that included unifying PayPal's global platform, expanding in-store, and scaling value-added services, Jeff Pomeroy i

For most small and midsize businesses, financial operations remain a tangle of disconnected systems: A payroll platform over here, an ERP over there, and a manual AP process stitching them together with spreadsheets. BILL has spent the past year making a

Weekly 10-Q The weekly 10-Q newsletter is part of the Tearsheet Pro subscription, where I unpack the recent moves and strategies of leading banks and fintechs in the public space, coupled with stock market analysis. In your inbox every Friday! Message Sar

The 'Letter from the Editor' series features exclusive insight and opinion-driven analysis from Tearsheet editor Sara Khairi. The focus is on linking ideas, questioning assumptions, and tracking shifts across both mature and emerging trends in financial s

One of the largest U.S. consumer financial services companies, Synchrony, with more than $120 billion in assets, faced a problem that had little to do with the amount of customer data it had and everything to do with what it could do with it. The company

A lot of the conversations around artificial intelligence tend to circle back to one question: which institution has built the smartest, most capable model? Bank of America argues the model quality isn't the point; an AI feature is only as reliable as the

AUSTIN, Texas, Aug. 05, 2026 (GLOBE NEWSWIRE) -- SEON, the AI Command Center for Fraud Prevention and AML Compliance, has been named the winner ...

AI is moving from a promising capability to a core layer of financial services infrastructure, with banks, fintechs, and technology providers racing to turn experimentation into meaningful applications. The Tearsheet AI Innovation Awards recognize the org