Fintech's AI Divide

Architecture decides who pulls ahead

BlockFi's Crypto Lending Collapse

A crypto lender that collapsed with FTX

Afterpay Business Model

Merchant fees and late fees drive Afterpay

How Mastercard Moves Money

A toll booth on global card payments

Zelle's Bank-Owned Payments Model

Bank ownership, not fees, funds Zelle

The SoFi Business Model

SoFi profits from lending, banking and Galileo

Venmo's Social Payments Business Model

How PayPal turned Venmo profitable

Plaid's Bank-Linking Business Model

Bank-linking middleware that survived a blocked merger

Chime's Fee-Free Banking Model

Chime profits from swipes, not fees

Industry Analysis: Cryptocurrency

Who profits from digital asset trading

Square Business Model

Hardware losses fund recurring software revenue

How Klarna Makes Money

Sweden's fintech pioneer reshapes global payments