// writing
Posts tagged #banking
A mix of technical deep-dives, career reflections, and dispatches from the road.
tag: #banking
financeSep 19, 2026· 4 min
The Robo-Advisor Fee Is the Smallest Number That Matters
Robo-advisors advertise a single advisory fee, usually a quarter of a percent. That number is real, and it is nowhere near the full cost. Here is what the machine is actually doing with your money, and where the rest of the bill hides.
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financeSep 9, 2026· 4 min
Embedded Finance: What It Actually Takes to Put a Bank Inside Your App
Scheduling apps issue debit cards now, and invoicing tools offer loans. Here is the three-layer stack underneath embedded finance, where the money actually…
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financeAug 1, 2026· 4 min
Neobanks and the Sponsor Bank Model: Who Actually Holds Your Money
Your favorite fintech app probably isn't a bank. Here's the sponsor bank plumbing underneath it, why the ledger matters more than the logo, and what the…
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financeJul 18, 2026· 4 min
Open Banking: How Apps Actually Get Your Bank Data
The mechanics behind connecting a budgeting app to your bank account, why screen scraping is dying, and where the US open banking rules stand in 2026.
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financeJun 13, 2026· 4 min
FedNow and Real-Time Payments: How Instant Settlement Actually Works
Most Americans still wait one to three days for bank transfers to clear. FedNow is the Federal Reserve's answer to that — but how does instant settlement…
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