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Every Major Matters article

Payments. AI. Commerce. Decoded. 255 articles and counting.

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AI · Mar 9, 2026

The Great Charter Rush: Why Every Fintech Wants to Be a Bank Now

From Revolut to PayPal to Ford, the race for US banking licences has reached a pace not seen in a generation. The question isn't who's applying. It's who's left that isn't.

AI · Mar 8, 2026 · 4 min read

Block Cut 4,000 Jobs and Blamed AI. Here's What Actually Happened.

Jack Dorsey slashed 40 percent of his workforce and said most companies would follow within a year. But former employees, analysts, and the company's own history tell a more complicated story.

Commerce · Mar 7, 2026 · 9 min read

The Bet You're Already Making

Prediction markets are not converting gamblers. They are converting everyone who has an opinion about the news. And the Iran crisis just showed us what happens when they succeed.

Payments · Feb 27, 2026 · 5 min read

The Payments Industry Automated Everything. Now It Needs to Feel Human Again.

Paymentus argues the next competitive edge in digital payments is not faster rails or cheaper processing. It is service.

Payments · Feb 26, 2026 · 5 min read

Two Fintech Giants. $250 Billion in Value. Zero IPOs.

Revolut is targeting a $150 billion listing. Stripe just hit $159 billion in a tender offer. Together they represent a quarter of a trillion dollars in private fintech value, and neither is in any rush to go public.

AI · Feb 1, 2026

The Death of the Checkout Page

I have a secret: 95% percent of my holiday shopping was completed via Apple Pay. Find something, double-tap, glance at Face ID, done. No forms. No typing. No checkout page.

Payments · Jan 11, 2026

Who Owns the Customer When Your Phone Is Your Wallet?

A few weeks ago, I wrote about watching my son play shopkeeper with his cousin, grabbing my iPhone to tap against her toy card machine rather than reaching for the plastic coins scattered across the floor.

Payments · Jan 11, 2026

Cash Was Right There. He Reached for My Phone.

My son is seven. Last week, he was playing shopkeeper with his cousin on our living room floor. There were toy coins scattered about, crumpled paper notes, even a little wooden cash register.