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1 week ago | 
tearsheet.co | Rabab Ahsan
Investment in data is the hallmark of successful Gen AI implementations, according to Citizens’ Chief Data and Analytics Officer, Krish Swamy. Giving us a system wide view of how Citizens is leveraging Gen AI, Swamy joins the podcast to talk about harnessing the power of data to drive decision-making, enhance customer experiences, and navigate the complexities of digital transformation in the banking sector.
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2 weeks ago | 
tearsheet.co | Rabab Ahsan
We’ve seen digital sidecar brands of traditional banks rise to popularity and then fade from public memory over the years. But unlike Goldman’s Marcus, SMBC MANUBANK has shown commitment to making its digital bank Jenius Bank a success. Launched in 2023, Jenius Bank reached $1 billion in deposits and over $700 million before it hit its first anniversary.
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3 weeks ago | 
tearsheet.co | Rabab Ahsan
Notes from the desk: Welcome to this month’s Quarterly Review, a series where I dive into what executives from some of the best brands in financial services are focusing on in this quarter, as well as how they are planning to achieve their goals. It’s a chance for the industry to learn about what goes on behind an FI’s four walls and how leadership manages their priorities. But that’s not all: a review implies no mandates, a check in.
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1 month ago | 
tearsheet.co | Rabab Ahsan
The ubiquity of digital payments is contributing to a surge in chargebacks. The global volume of chargebacks is expected to increase to 324 million in 2028, according to recent data from Datos Insights in partnership with Mastercard. A significant chunk of the expected increase in chargebacks will occur in North America, with the expected volume of chargebacks reaching 132.9 million in 2028 from 114.4 million in 2025.
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1 month ago | 
tearsheet.co | Rabab Ahsan
Gen AI can prove to be a powerful tool for institutions that struggle to keep up with larger institutions but don’t possess the resources, and time to match their throughput. Today’s micro case studies dive into how two CUs are improving their lending decision making and marketing efforts through incorporating Gen AI tools in their workflows.
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1 month ago | 
tearsheet.co | Rabab Ahsan
Banking digital assistants may be common now, but in 2017, Bank of America was one of the first to be thinking about how they make the firm’s customer experience more powerful. The answer was an in-house build of a digital assistant that required the firm to hire PhDs in linguistics and build a collaboration structure that could facilitate teams from different departments.
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1 month ago | 
tearsheet.co | Rabab Ahsan
Notes from the desk: Hello and welcome to The Quarterly Review, where I dive into what executives from some of the best brands in financial services are focusing on in this quarter. In the last year, we have surveyed executives from both banks and fintechs about their intentions and goals for the year. With the new year, I am excited to bring you another “review” in this series. It’s where we compare the exec’s goals with results and see how well his plans stood the test of time.
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2 months ago | 
tearsheet.co | Rabab Ahsan
Plaid started out with a much narrower product suite and value proposition than they have today. The firm’s growth and maturity had made a brand update necessary – but rebrands are risky, difficult to execute, and easy to get wrong. But with a controlled scope, and a clear execution strategy rebrands can help brands reestablish their identities and drive even deeper brand recognition. With its recent rebrand this is what Plaid has aimed to achieve.
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2 months ago | 
tearsheet.co | Rabab Ahsan
Managing money alone is hard enough but when two people and their respective money stories get married, things can get a lot more complicated. This is the problem Plenty’s CEO and cofounder Emily Luk set out to solve after she got engaged. She noticed a lack of financial tools for couples and decided to build Plenty, a financial tool that helps couples manage their finances in one place.
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2 months ago | 
tearsheet.co | Rabab Ahsan
Over the past few months we have seen fintechs leverage their apps to reach more customers as well as make their business models more resilient. Here are three micro case studies from Public, Acorns, and Copper Banking that show how these firms are using their apps strategically. Late last year, online broker Public launched its Gen AI powered chatbot as a standalone app called Alpha (named after the chatbot itself).
