FinTech
How to Get EIN Verification Online Through an IRS Business Tax Account
A practical guide to the IRS EIN verification notice, who can download it, what it can show, and the current Business Tax Account limits.
PATech Labs News
Intelligence Brief
What's happening with AI in business: facts, primary sources, and named authors. In English, Russian, and Spanish.
FinTech
19 articles
FinTech
Small Business Cash Flow Forecast: A 30 Day Worksheet
A source-backed worksheet for connecting balance-sheet data, sales channels, expenses, and cash timing to a practical thirty day review.
FinTech
Chime Cuts 10% of Its Workforce and Names AI as the Reason
Chime is cutting about 150 jobs, roughly 10% of its workforce, and points to AI efficiency. The automation behind the decision sits in the back office, not the product. What the memo actually says, and what a 40-person business should take from it.
Aug 3, 20265 min read26
FinTech
Visa, Mastercard and Stripe Just Backed One Standard for AI Agent Payments
The Linux Foundation launched the x402 Foundation on July 14, 2026, with Visa, Mastercard, Stripe, Google, AWS and Coinbase backing an open standard that lets AI agents pay each other over HTTP. Here is what it is, the honest caveats, and what it means for anyone building agents that spend.
Jul 20, 20265 min read40
FinTech
Warner's AI AGENT Act Would Put AI Agents on an FTC Registry
Senator Mark Warner's draft AI AGENT Act would create an FTC registry for trusted AI agents, tie each agent to a human operator, and require agents to act in the user's best interest. Here is what the draft says, and what it means for any business deploying AI agents.
Jul 13, 20265 min read40
FinTech
Norm Ai Hits $1.2 Billion Valuation as AI Agents Move Into Regulated Legal Work
Norm Ai raised $120 million at a $1.2 billion valuation, led by Khosla Ventures, to put AI agents into regulated legal and compliance work. Here is what the raise signals for banks and compliance teams building their own agents.
Jul 8, 20264 min read52
FinTech
nsKnox Launches a Voice AI Agent for Vendor Payment Callbacks
nsKnox launched AI Agent Caller on July 1, an autonomous, multilingual voice agent that automates vendor verification callbacks and logs every call to an audit trail. We look at why the vendor callback is a fraud chokepoint and what a compliant voice agent changes for finance teams.
Jul 7, 20265 min read20
FinTech
The EU AI Act's August 2 Deadline: What Banks Running AI Must Have in Place
On August 2, 2026, the high-risk core of the EU AI Act becomes enforceable. For any bank scoring credit or pricing insurance with AI, that is the date compliance stops being optional.
Jul 7, 20264 min read85
FinTech
UK Regulator Wants New Powers as AI Agents Start Moving Real Money
The FCA published the Mills Review on 6 July 2026, warning that AI agents are moving from advice to autonomous action in retail finance. It sets out seven recommendations, asks whether models like ChatGPT or Claude should fall under financial rules, and calls the race to keep up an arms race. Here is what it means for banks and fintechs building agents.
Jul 7, 20264 min read26
FinTech
Colorado Rewrote Its AI Law, and Now Banks Are in Scope
Colorado repealed its pioneering AI Act and replaced it with SB 26-189, a narrower transparency law that delays compliance to 2027 and removes the exemption that kept many banks and credit unions out of scope.
Jun 24, 20265 min read38
FinTech
Agentic payments arrive: AI agents can now move real money
In June 2026 Mastercard launched Agent Pay for Machines and Ramp raised 750 million dollars at a 44 billion valuation. Agentic payments are real, and here is what to set up before AI agents spend.
Jun 17, 20265 min read43
FinTech
U.S. Cost of Living Survival Guide (Oct 2025): Cut Costs This Week, Optimize in 90 Days, Grow in 12 Months
A practical guide to cutting U.S. living costs this week, optimizing your budget over 90 days, and growing your income within 12 months.
Oct 18, 202537 min read9