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North America

Fintech reporting from North America. Stories across banking, payments, infrastructure, capital and policy that touch this region.

040 STORIES PUBLISHED · UPDATED DAILY

Analysis NORTH AMERICA · 5 MIN READ · 15 OCT 2026

Embedded Lending Is Becoming America’s Quiet Credit Shift

Stripe is buying embedded lending platform Parafin, whose credit tools power DoorDash, Gusto and Tekion, as bank small-business lending slows.

Explainer NORTH AMERICA

ISO 20022 Migration Explained: What US Banks Still Need to Fix

14 OCT 2026

Analysis NORTH AMERICA

Money Transmitter Licensing Still Slows Fintech’s US Expansion

13 OCT 2026

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Analysis NORTH AMERICA

Digital Identity Verification Becomes Banks’ New Fraud Battleground

FinCEN now lets banks accept digital IDs for onboarding, just as a 2024 deepfake fraud alert and new bank data show why one check is not enough.

10 OCT 2026

Analysis NORTH AMERICA

AI Underwriting Is Reshaping US Consumer Lending Risk

US lenders keep expanding AI underwriting as a CFPB rule drops the disparate-impact test used to challenge automated credit decisions.

9 OCT 2026

Analysis NORTH AMERICA

AI Model Risk Management Rules for US Banks Just Got Narrower

The Fed, OCC and FDIC replaced 2011's SR 11-7 with narrower AI model risk management rules in April 2026, exempting generative and agentic AI models.

7 OCT 2026

News NORTH AMERICA

BNPL Is About to Show Up on US Credit Scores

FICO built two credit scores for BNPL loans in 2025, but Affirm, Klarna and Equifax still disagree on reporting data to bureaus at scale.

6 OCT 2026

Explainer NORTH AMERICA

How Alternative Credit Scoring Is Narrowing America’s ‘Credit Invisible’ Gap

FHFA data shows the US credit invisible population is smaller than once thought, as alternative credit scoring reaches more US lenders.

5 OCT 2026

Analysis NORTH AMERICA

Account Takeover Fraud Is Rising at US Banks as Real-Time Payments Raise the Stakes

Fed data shows account takeover fraud rising via ACH and wire at US banks, and why instant payments raise the stakes once credentials are stolen.

2 OCT 2026

Analysis NORTH AMERICA

Synthetic Identity Fraud Is America’s Fastest-Growing Bank Crime

Synthetic identity fraud is driving billions in losses across US auto loans and credit cards, Federal Reserve and TransUnion data show.

1 OCT 2026

Analysis NORTH AMERICA

AI Is Rewriting Sanctions Screening for US Banks

US banks are pairing sanctions screening software with machine learning to cut false positive rates that have run as high as 99.5%.

30 SEP 2026

Analysis NORTH AMERICA

US Fintech M&A Is Picking Up After a Quiet Stretch

Global fintech M&A cooled for four quarters, but August and September brought fresh deals from Visa, Mastercard, Vanguard and Chime.

29 SEP 2026

News NORTH AMERICA

Klarna and Affirm’s Earnings Show Two Different Roads to BNPL Profit

A year after the Klarna IPO, the company posted its first profit but cut guidance and its stock slid. Affirm shows what markets want from BNPL.

28 SEP 2026

Explainer NORTH AMERICA

Industrial Loan Companies Explained: The Bank Charter Fintechs Actually Want

The FDIC has approved four Utah industrial bank charters since January 2026. Here is why fintechs choose an industrial loan company over renting a bank.

25 SEP 2026

Analysis NORTH AMERICA

What Synapse’s Collapse Taught US Banks About BaaS Risk

Synapse's 2024 collapse trapped tens of millions in customer funds. Here's how the Fed, FDIC and CFPB responded, and what it means for bank BaaS risk.

24 SEP 2026