Fintech Pipe and Uber announced a strategic relationship that will provide hundreds of thousands of restaurants in the US access to working capital. Through this relationship, eligible restaurants across the US will have access to Pipe Capital through Uber Eats Manager, the Uber platform that merchants use to monitor, manage, and grow their businesses. For eligible merchants, Uber Eats will show capital offers from Pipe in Uber Eats Manager that are customized based on restaurant revenue, cash flow, and business performance. By assessing risk through its cutting-edge underwriting engine, Pipe is able to offer personalized, pre-approved capital offers with transparent and up-front pricing. Uber selected Pipe for its merchant-friendly solution that provides capital offers that are designed specifically for small businesses, with a multi-draw advance, transparent terms, and flexible payments that adjust to meet the performance of their business. Pipe has a dedicated merchant support team, ensuring the entire process is both straightforward and easy to navigate. “Working with Uber, Pipe is able to move fast to understand the needs of these restaurants and deliver capital where traditional banks have failed,” said Luke Voiles, CEO of Pipe.” Pipe Capital can provide SMBs access to custom capital options in just a few clicks, inside the same applications they’re using to manage their business. Instead of requiring credit checks, personal guarantees or extensive documentation, capital offers are based solely on historical business performance and cash flow.
States rethink mandatory abuse reporting for vulnerable adults; Wisconsin’s model prioritizes victim safety and self-determination instead of blanket mandates to better balance protection and privacy
AARP estimates that financial exploitation costs older Americans more than $28 billion each year. As of 2025, 16 states have sweeping reporting requirements that require nearly everyone who becomes aware of mistreatment to report it. And every state requires at least certain categories of people to report abuse. Mandatory reporting aims to overcome the many reasons people might otherwise stay silent such as fear of retaliation, reluctance to damage relationships, or simple unwillingness to get involved. By making reporting a legal duty, states hope to turn bystanders into protectors. Repealing mandatory reporting statutes may not be politically realistic but amending them is. States should reconsider blanket mandates and focus on situations where victims are at ongoing risk or are genuinely unable to act for themselves. Wisconsin’s approach, which allows would-be reporters to consider whether reporting is in the victim’s best interest, could be a model for other states seeking to achieve a better balance between protecting older adults on one hand, and respecting their privacy and right to self-determination on the other. Modernizing reporting mandates, however, is only the first step. Ultimately, the success of mandatory reporting laws depends on the strength of the systems that respond to reports when made. If APS lacks resources to investigate and offer services, or if the services offered have limited value, then reports (even if dutifully made) may not result in meaningful protection. Accordingly, it is important to think about how to expand the tools that are available to APS. One promising approach is being pioneered by the RISE Collaborative model. The approach pairs older adults who have experienced mistreatment with a professional “advocate” who helps the older adult embrace a desire for improvement and identify goals. The advocate can then work with the older adult to help achieve those goals including repairing relationships that may have been damaged by the abuse.
FIS bolsters account origination offering by acquiring Amount- cloud-native, unified solution with embedded AI functionality simplifies the online account opening experience
FIS has completed its acquisition of Amount, a provider of unified digital banking origination and decisioning experiences for financial institutions of all types and sizes. With more than 150 million new account applications processed, Amount provides a best-in-class digital account opening experience for consumers and small businesses across lending, cards and deposits. Its cloud-native, unified solution with embedded AI functionality simplifies the online account opening experience for banks, lenders and credit unions, providing customers with a seamless, digital-first capability. With the addition of Amount, FIS strategically expands its portfolio of innovative solutions that support the world’s money lifecycle, encompassing when money is at rest, in motion and at work. At Rest: Simplifies account opening with secure processes that reduce fraud and ensure compliance; In Motion: Streamlines credit card issuance and payments with faster approvals and seamless customer journeys; At Work: Empowers institutions with tools to boost efficiency, expand offerings, streamline lending and deliver exceptional service. The Amount platform, integrated into FIS digital, core banking and card systems, will help FIS clients grow deposits, loans and card portfolios efficiently and securely.
JP Morgan Chase to enter DIY investment arena in UK with Nutmeg rebrand- offering a wealth planner; a do-it-yourself investment platform; and, for clients with over 250,000 pounds invested, access to a dedicated relationship manager
JP Morgan Chase is set to launch a ‘DIY’ investment platform in the UK, taking on players such as Hargreaves Lansdown and AJ Bell. The US bank said it would launch JP Morgan Personal Investing in November to let investors buy and sell shares, funds, bonds and other financial assets. The move will see the firm –led by Wall Street titan Jamie Dimon – target British customers under the JP Morgan brand for the first time. It marks a big push into an industry dominated in the UK by the likes of Hargreaves Lansdown, AJ Bell and Interactive Investor. JP Morgan’s new service will include its Nutmeg business but the Nutmeg brand will be retired. Nutmeg users will see their investing app change from November 3. The platform will initially offer managed investments, pensions, Isas and financial planning tools and dedicated relationship managers. From 2026 investors will be able to buy and sell individual shares and bonds on the platform. JP Morgan said the service would be available through its Chase current account app, and as a standalone product. For stocks and shares Isas, customers will be able to invest from £500, while for lifetime Isas and junior Isas, customers can start with £100. For those looking to create an income stream from their investments, rather than just increasing the value of the pot, the minimum will be £10,000. Mark O’Donovan, head of international consumer banking head of international consumer banking at JP Morgan Chase, said: ‘Consumers in the UK are world-leading in adopting digital financial services, and today is an important next step in the evolution of our offering in the UK market.’ JP Morgan’s new platform will maintain all of Nutmeg’s products and services, as well as launching features such as a wealth planner, allowing users to see their total wealth, with suggestions on how to reach their goals. It will also offer relationship managers from November, giving clients with more than £250,000 invested with JPMorgan face-to-face professional advice.
United Network launches NFC non-custodial card wallet transforming a traditional bank card into a secure hardware crypto tool; ensures all transactions are secured directly on the chip, providing ease of use for digital asset management
United Network has launched its innovative NFC non-custodial card wallet, transforming a traditional bank card into a secure hardware crypto tool. This innovative solution ensures all transactions are secured directly on the chip, providing unparalleled security and ease of use for digital asset management. All private keys are stored only on the card and are never shared with any external devices or services, ensuring a high level of security. The United Network card wallet offers a seamless user experience through its intuitive web interface or mobile application. Users can manage their digital crypto assets with the simplicity of NFC authentication via their smartphone and advancement of hardware wallet, making complex cryptocurrency operations as easy as a tap. The card form factor helps eliminate the complicated usage often associated with traditional hardware wallets, such as the need to connect to a desktop or laptop by cable. The solution was developed according to strict data protection standards. Every device undergoes security testing, so users can be confident their funds are safe, even in case of a card loss. Key Highlights of the United Network Card Wallet: Comprehensive Functionality: Effortlessly send, receive, store, and swap your tokens to any other crypto wallet with just a tap of a card. Card-Sized. Power-Packed: Slides into your wallet like any bank card, offering simple, secure access while keeping private keys fully in the user’s control. Multichain Support: Supports Bitcoin, Solana, Ethereum, BNB Chain, TON, Venom, and Tron from day one, with more chains coming soon. Top-Tier Security: Implements multichain cryptography and standards for robust security.Seamless Web3 Integration: Facilitates effortless authentication into Web3 applications. Flexible White-Label Opportunities: United Network offers customizable solutions for corporate and white-label needs.
Trovata bolsters legacy treasury management offerings with debt and investment instruments, intercompany transactions, in-house bank support, credit facilities, FX hedging, bank fee analysis and bank account management
Trovata announced its acquisition of ATOM, the enterprise Treasury Management System (TMS) developed by Financial Sciences Corporation. This move marks a bold step forward in Trovata’s mission to modernize and democratize treasury technology, unlocking the full capabilities required to serve large global enterprises. With ATOM’s deep treasury feature set—including support for debt and investment instruments, intercompany transactions, in-house bank support, credit facilities, FX hedging, full domestic and international payment workflow, bank fee analysis and bank account management—fully integrated into Trovata’s cloud-native platform, Trovata becomes the first modern, viable TMS alternative to the legacy incumbents. The combined offering delivers unprecedented scale, flexibility, and performance for corporate finance and treasury teams seeking to modernize. Brett Turner, Founder and CEO of Trovata said, “With ATOM, we have the firepower to compete directly with the legacy incumbents—and replace them. This isn’t just expansion. It’s a generational shift in treasury tech.”
LendingClub’s account feature that offers customers 2% cash back for on-time loan payments made from checking account and 1% cash back when using the associated debit card for qualifying purchases drives 6X jump in daily account openings
LendingClub said that two recent additions to its mobile-first platform are driving more account openings and more visits to the company’s app. CEO Scott Sanborn said the company’s latest innovation, LevelUp Checking, has increased the number of checking accounts opened each day by six times since its launch in June. LevelUp Checking offers customers 2% cash back for on-time loan payments made from this checking account and 1% cash back when using the associated debit card for qualifying purchases. “We’re rewarding borrowers for their financial discipline while allowing us to benefit from a stickier relationship,” Sanborn said. “While it’s still early, the initial results are encouraging.” The target customer for LevelUp Checking and its rewards program has a high FICO score and a high individual income.
Retailers are turning to Snapchat as CX engagement tool to target Gen Z, 77% of who use it for brand discovery and shopping, building authentic conversations using its communication-friendly design, and tapping its AR-based location-sharing
Here are a few specific reasons so many retailers are turning to Snapchat as a consumer engagement platform, starting with favorable user demographics: 1) One big reason an increasing number of retailers are reaching out to customers via Snapchat is that highly coveted Gen Z and even Gen Alpha (the generation following Gen Z of consumers 15 and under) shoppers are spending their time, and money, there. Data backs up the fact that young consumers frequent Snapchat and see it as a branding and shopping platform. According to a recent survey of U.S. and U.K. Gen Z consumers from identity verification technology provider SheerID, 77% of respondents reported learning about a new brand through platforms such as Instagram, Tiktok and Snapchat. Gen Alpha has an estimated $28 billion in direct purchasing power. While 14% Gen Alpha consumers rank Snapchat as their favorite social network, 84% check it at least once a day. If your brand appeals to young shoppers, or you want it to, Snapchat is a vital engagement tool. 2) Snapchat is heavily focused on direct communication among peers, including features for texting, video chatting and exchanging photos. Its communication-friendly design is perfect for both one-to-one and one-to-many conversations, adding an air of authenticity and “real life” interaction which ironically would not be achievable without digital assistance. 3) This sense of digitally enhanced reality extends to Snapchat’s augmented reality capabilities, which retailers are leveraging to get their brand and products in front of consumers in new ways. American Eagle is something of a retail Snapchat pioneer, and another interesting promotion it is currently running on the platform involves including more than 800 retail stores across the U.S. as Promoted Places on the Snap Map location-sharing feature.
IBM taps Infosec’s platform to offer discovery, classification, and lifecycle management of cryptographic assets across hybrid and distributed environments, supporting creation of scalable quantum-safe architecture
IBM Consulting and InfoSec Global are partnering to deliver advanced cryptographic discovery and inventory solutions across all industries and geographies. The rapid advancement of quantum computing poses a growing threat to cryptographic security, as quantum computers can break traditional cryptography, exposing vulnerabilities across digital operations. Organizations worldwide are requiring cryptographic assets to be inventoried, assessed, and modernized. IBM Consulting’s global delivery network and quantum safe security expertise will be combined with InfoSec Global’s AgileSec platform to accelerate customers’ transition to post-quantum cryptography and enable a risk-driven transformation to enterprise-wide cryptographic agility and compliance. The AgileSec platform enables the discovery, classification, and lifecycle management of cryptographic assets across hybrid and distributed environments. The partnership will enable IBM Consulting and InfoSec Global to jointly develop, market, and deliver cryptographic posture management solutions, helping clients tackle their most complex quantum-safe challenges. Client benefits of the IBM Consulting and InfoSec Global partnering could include: Addressing the risk of cryptographic blind spots and supporting adherence to compliance frameworks from NIST, the Federal Financial Institutions Examination Council (FFIEC), and regulatory expectations; Accelerating modernization without costly re-platforming for crypto agility in-place; and Creating a future-ready and scalable quantum-safe architecture with measurable return on investment.
Profound’s platform lets companies see exactly how they appear across AI assistants, create the right content to improve visibility, and deploy AI marketing agents
The traffic, backlinks and click-throughs that shaped traditional SEO carry less weight. For companies, this is a new competitive arena, and it demands new tools to measure and improve how they appear where buying decisions are now being made. Profound’s platform lets companies see exactly how they appear across AI assistants, create the right content to improve visibility, and deploy AI marketing agents that give one marketer the power of an entire agency. From monitoring and analytics to creating content and executing campaigns, Profound is building the marketing command center for the AI era. Co-founders James Cadwallader, Dylan Babbs, and the team have launched a broad set of products, gained traction in every major sector, and become the leader of this emerging category with customers including Fortune 10 companies, Ramp, U.S. Bank, Indeed, MongoDB, DocuSign, Chime, Clay and Plaid. Customers have reported transformative results; Ramp, for example, saw a 7x increase in AI brand visibility for their accounts payable product. As search shifts from blue links to direct AI answers, every company will need Profound to remain competitive.