Tomás Campos of Spinwheel argues that growing debt and lagging credit data require a real-time, unified way to assess consumer risk.

Matt Ober of Social Leverage writes that markets are becoming data-native as finance, consumer culture and AI converge around richer, more valuable data.

Alex Lazarow of Fluent Ventures paints a picture of an industry undergoing a fundamental shift beyond the usual cycle of new products or distribution models.

Avinash Chidambaram of Cybrid says stablecoins are quickly becoming a core payments tool that will give early adopters an efficiency edge.

Carey Ransom president of Operate and managing director of BankTech Ventures, dives into the impact AI could have on community banks.

Ximena Aleman of Prometeo writes that LATAM is ready to shape the rise of agentic banking.

Elizabeth McCluskey of TruStage Ventures argues fintech is missing veterans whose service mindset could help them connect with customers.

Katie Quilligan of BankTech Ventures explains how shifting fraud liability is pushing banks to turn customer education into a measurable defense strategy that protects both assets and loyalty.

Renata Caine of Green Dot lays out a playbook for how winning bank-fintech partnerships should work.

The FR breaks down CB Insights’ State of Fintech Q3 2025 report with insights from Dan Latimore on AI’s rise, bigger late-stage deals, and the renewed momentum in wealthtech.

With the 2025 event in New York fast approaching (Nov. 4–5), The FR caught up with Chief Client Officer Elena Casal to discuss the key themes shaping this year’s agenda.

As Money20/20 USA 2025 approaches, fintech’s story shifts from disruption to durable growth. By Caliber Corporate Advisers.

Fintech operator and investor Tiffany Haynes makes the case for building depth before chasing scale.

Tom Mallon of Fintech Sandbox explains why clean, trusted data is the foundation of ethical and scalable AI.

Evident’s Alexandra Mousavizadeh digs into what the latest Evident AI Index reveals about progress in AI and banking.

Will Reeves of Fold argues loyalty has outgrown fixed points schemes and must be built on enduring value.

FR editors unpack new research on how banks’ AI investments face execution hurdles.

Tiffine Wang of Onsen Global explains why AI-native companies are changing how value is priced, delivered and scaled.

Tod McDonald of Valid8 Financial explains how fraud often passes as routine business activity, and how finance teams can spot it.

Deepak Gupta, EVP at Volante Technologies, explains how Fedwire’s ISO 20022 migration will affect payments.

Fintechs dream of going global, but most hit delays, costs and fatigue — Pipe’s Luke Voiles lays out a scalable playbook for getting expansion right.

As AI shopping agents take over the checkout, the real battle is where the money flows, writes Shawn Conahan of Wildfire Systems.

Brian Muse-McKenney of Episode Six lays out three trends reshaping payments — and what businesses must do to keep up.

As fintech races ahead, standards are emerging as the key to balancing safety and growth, writes Sima Gandhi, co-founder of the Coalition for Financial Ecosystem Standards.

Matt Ober of Social Leverage breaks down how advisors, alternative assets and new access rules are reshaping wealth management — and what it means for the next wave of investors.

Worldpay’s Gabriel de Montessus explains why one-size-fits-all payments fail, and how local-first strategies drive global growth.

Renata Caine, SVP and GM of embedded finance at Green Dot, shares three ways companies can support customers and employees through market volatility.

Stacy Litke of Green Check explains how banks are turning cannabis compliance into a growth strategy.

Ximena Aleman, co-founder of open banking platform Prometeo, argues tariffs aren’t just disrupting trade — they’re accelerating a revamp of cross-border payments.

Michael Dirla, VP at Edison Partners, argues discipline, not hype, will drive fintech’s future.