The bank’s decision to offer home improvement loans directly will not have a material impact on profits at the Atlanta-based fintech, according to GreenSky.

It may seem odd that Citigroup has created an online lending platform that matches small businesses with minority-run and other banks for no financial benefit. Yet company executives and observers say it makes sense.

Upgrade, a lending startup that counts former LendingClub executive Renaud Laplanche as a co-founder, raised $105 million in a funding round that values the company at more than $3.3 billion.

The $119 million-asset Ergo Bank in Wisconsin, which is working with the fintech Neocova, says artificial intelligence and modern data management are attainable for even the smallest financial institutions — and essential to competing with larger banks for consumers.

The combination of American Express and its fintech subsidiary Kabbage is starting to bear fruit at an opportune time, as credit card companies increasingly expand their range of products to boost revenue.

The San Francisco company says it will "modify and strengthen" its filings with the Federal Deposit Insurance Corp. and Utah officials and "resubmit at a later date." It's the latest fintech to encounter such a setback, though some later secured approval.

First National Bank of Omaha and Centime, a Boston software company, have developed a tool that banks rarely offer small businesses: a portal that forecasts cash flow, helps entrepreneurs anticipate shortages and provides a ready source of credit when they fall short.

The card brand has been pitching itself as a testing ground for central bank digital currencies, a payment portal for stablecoins and — most recently — an accelerator for startups.

Officials in New Jersey, Alabama, Texas and Vermont say the fintech's banklike account is illegal. Here's what they're doing about it.

These nine fintechs have made their market debuts or signaled plans to do so in the past few weeks, continuing a robust year for both IPOs and e-commerce.