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What 2026 Will Make Obvious
January 14, 2026

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Longevity Rewrites the Economics of Inheritance
January 13, 2026

AI-driven longevity is redefining aging, with longer, healthier lives fueling more spending later in life. The result: inheritance happens later and looks very different.

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Consumers Pay the Price as State Regulation Fractures FinTech Scale
January 13, 2026

The CFPB’s decision to dial down enforcement of BNPL and other nonbank credit products hasn’t created a vacuum. It has invited fifty competing rulebooks to take its place.

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Legacy Business Models Break
January 12, 2026

“Your margin is my opportunity” was Jeff Bezos’s way of describing Amazon’s hunger for bloated profit pools. In 2026, the real question isn’t whether margins get attacked, but who gets to turn whose margin into whose opportunity as consumers, enterprises and their agents decide how...

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AI Doers Drown Out AI Naysayers
January 12, 2026

By the end of 2025, the conversation around autonomous AI changed in a way that had little to do with public debate and everything to do with use. In 2026, that shift makes the argument about AI hype largely irrelevant.

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Online Finally Breaks Brick and Mortar
January 09, 2026

In 2026, online and digitally-influenced retail finally surpasses brick-and-mortar sales in the categories that matter most to modern retail. This moment has been years in the making, obscured less by consumer behavior than by how the industry measures itself.

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The Labor Economy Becomes the Next Payments Innovation Engine
January 09, 2026

In 2026, the Labor Economy becomes one of the most important sources of economic growth — not despite automation, but because of it. As intelligence scales, demand accelerates for human labor that cannot be abstracted away.

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BNPL’s Next Act Is as Consumer Working Capital
January 08, 2026

In 2026, Buy Now, Pay Later stops being a checkout feature and becomes working capital for the modern middle class, replacing overdraft and late fees as the default way paycheck-to-paycheck consumers manage timing gaps between income and expenses.

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Smart Agents Replace Super Apps
January 08, 2026

Smart Agents are not the next evolution of Super Apps. They reverse the logic that made Super Apps powerful in the first place.