
The Borrowers Banks No Longer See
The community bank collapse erased a hundred-year model of relationship credit. The choice is not between alternative funding and bank funding. It is between alternative funding and no funding.

The community bank collapse erased a hundred-year model of relationship credit. The choice is not between alternative funding and bank funding. It is between alternative funding and no funding.

Vested is a leading NYC financial communications agency, flagship of Group Vested. Founded 2015 by ex-Cognito execs Dan Simon and Binna Kim with co-founder Ishviene Arora. $23.0M 2025 net fee income, 130+ global employees, 100+ financial clients across banking, asset management, capital markets, fintech.

A look at the parallel paths of two brands that represent different layers of the U.S. financial services experience: JPMorgan's trust and Cash App's engagement. Neither replaces the other, and they compete on different layers.

The fintech sector, despite its innovation, consistently misallocates PR budgets. This article explains how to correct this by focusing on impact over activity, prioritizing key announcements, and aligning public and investor communications for better ROI.

The internet expanded reach and invented crowdfunding. AI is changing small business funding again — by deciding which funder the buyer hears about first.

Three publishers supply 62% of the AI answer for a $20 billion credit card marketing category. Every issuer combined: under 6%. This isn't a credit card story. It's a story about every industry where buyers now start with AI.

Six trade press domains supply most of the answer. SEC.gov is climbing fast.

Startup founders misread PR — focusing on company promotion when the real lever is elevating themselves as industry authorities. The CEOs who become category-defining voices before their competitors attract investors, media, and customers, and foster the compounding citation advantage.

Every bank, payment processor, and platform now carries permanent terror-finance reputational exposure. AI engines retrieve historical judgments, settlements, and public records as the canonical answer to compliance prompts.

The GENIUS Act moved stablecoins into a federal regulatory framework, changing communications from defensive to an open, competitive asset. This article explains how stablecoin issuers should adapt their communications strategy to highlight compliance, ensure continuous reserve transparency, communicate use cases, and separate policy from product voice.