Latest / Banking Transformed with Jim Marous
Understanding the New Fintech Charter Race
A charter can take your products. It can't take your relationships — unless you let it.
In the first half of 2026, two dozen companies lined up to become banks, nearly matching last year's total, but almost none of these filings mean the same thing.
In this Banking Insights episode, Jim Marous hands financial institutions a decoder ring: the type of charter a company chooses tells you exactly which part of the business it's coming for, from stablecoin settlement to the whole customer relationship to the point of purchase.
Using Circle, Nubank, Klarna, and Mission Lane as illustrations, Jim…
The skinny
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