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What will banking look like in 2035?

Theo Lau and Brad Leimer, who run the consultancy Unconventional Ventures, offer three possible visions for banks' future ranging from gloomy to upbeat and advice on how financial institutions can make the best-case scenario a reality.

United statesFrance generalUnited kingdomTheo lauBrad leimerKevin pariseGoldman sachsUnited nationsAnt groupUs bancorpNet zero banking allianceWells fargoUnconventional venturesAmerican bankerTim pennyBeyond good

Plaid deal lets Wise customers use fintech apps bank-free

Direct connectivity between the cross-border payment company and the data aggregator will let Wise's 13 million customers use the 6,000 fintech apps in Plaid's network without the need for a bank account.

Sharon anne keanTodd bakerBrad leimerRaja chakravortiDepartment of justicePublic policy at columbia universityScore exchangeDeposit insurance corpRichman centerPublic policyColumbia universityPlaid sponsored harrisFederal deposit insuranceData sharingAb technology

Joust founder launches fintech with a twist on credit building

StellarFi, Lamine Zarrad’s new startup, covers consumers' utility and other bills when they hit a cash-flow crunch. It then reports their repayments to the credit bureaus.

United statesLamine zarradBrad leimerChi wuNational consumer law centerNational foundation for credit counselingMarine corpsLending actCard accountability responsibilityDisclosure actNational foundationAb technology

Joust founder launches fintech with a twist on credit building

Joust founder launches fintech with a twist on credit building
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United statesLamine zarradBrad leimerChi wuNational consumer law centerNational foundation for credit counselingMarine corpsLending actCard accountability responsibilityDisclosure actNational foundation

Sizing up the threat Walmart s super app poses to banks

The retailer is funding a challenger bank called One that would be formed from the combination of several fintech firms. The startup would have a strong product set and cash position but could struggle to stand out in a crowded neobank field.

United statesDavid bagaTodd bakerWalmart moneycardBrian hamiltonBrad leimerDavid paul morris bloombergTd bank groupDeposit insurance corpGreen dot bankTd bankOffice of thrift supervisionRichman centerLaw public policy at columbia universitySilicon valleyRibbit capital