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North America

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

048 STORIES PUBLISHED · UPDATED DAILY

Explainer NORTH AMERICA · 6 MIN READ · 5 OCT 2026

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.

Analysis NORTH AMERICA

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

2 OCT 2026

Analysis NORTH AMERICA

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

1 OCT 2026

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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

Explainer NORTH AMERICA

What Is Embedded Insurance? How US Retailers and Fintechs Bundle Coverage

Embedded insurance lets US retailers and platforms sell coverage at checkout. Here's how it works, who builds it, and what counts as insurance.

22 SEP 2026

News NORTH AMERICA

SEC Opens Five-Year Route for Tokenised Stock Trading

The US Securities and Exchange Commission has opened a regulated route for tokenised stock trading, granting temporary, conditional relief for platforms seeking to trade tokenised US-listed stocks through permissioned automated market makers and liquidity pools.

21 SEP 2026

Analysis NORTH AMERICA

Why US Banks Still Lag on Faster Payments Adoption

FedNow counts 1,900 participants and RTP over 1,357, but US adoption stays voluntary while the EU mandated instant payments in 2025.

21 SEP 2026

Explainer NORTH AMERICA

Open Banking APIs Explained: How US Banks Share Customer Data

A court stayed the CFPB Section 1033 deadlines in 2025. US banks are building open banking APIs with Plaid, Akoya and MX anyway.

18 SEP 2026

Analysis NORTH AMERICA

The CFPB’s 1033 Rule: What Open Banking Access Means for US Lenders

The CFPB's Section 1033 open banking rule is enjoined and under review. Here's the current status for US banks, lenders and data aggregators.

17 SEP 2026

News NORTH AMERICA

CLARITY Act Fails Senate Cloture Vote, Leaving Crypto Rules Stalled

The US Senate rejected a cloture motion on the Digital Asset Market Clarity Act on Tuesday, 15 September, leaving the crypto market structure bill stalled. The motion to invoke cloture on the motion to proceed to H.R.

16 SEP 2026

Explainer NORTH AMERICA

Crypto ETFs Explained: How Bitcoin and Solana Funds Reshape Wall Street

How spot Bitcoin and Solana ETFs work, who issues them, and what their reported asset totals show about institutional crypto demand in 2026.

16 SEP 2026