Intuit Taps OpenAI, Klarna Secures $6.5B, JPMorgan Rewrites Data Terms

Hey Toaster Readers,

This week is sponsored by our friends at Fintel Connect.

Intuit just opened the door to a new kind of financial guidance by bringing its AI platform directly into ChatGPT through a long-term partnership with OpenAI. Klarna secured a $6.5 billion forward-flow deal with Elliott to ramp up its U.S. Fair Financing business, giving it a cheaper, scalable funding pipeline. And JPMorgan locked in paid data-access agreements with Plaid, Yodlee, Morningstar, and Akoya, a shift that could reshape how banks, aggregators, and fintechs negotiate data rights in the year ahead.

Capital One’s Discover migration is testing how much network perception still matters. Amscot and Green Dot are pushing modern banking tools into physical service centers. Credit access is tightening as rejection rates hit highs and auto delinquencies climb to record levels. CFES rolled out new lending standards that aim to bring bank–fintech partnerships onto the same compliance page. And even with the federal shutdown resolved, households and regulators are still working through the fallout.

Experian raised its outlook on steady growth, Klarna posted its strongest quarter to date, and Mastercard, FIS, FICO, Enova, and Bread Financial all reported firm spending trends and improving credit results as fintechs head into the final stretch of the year.

Here’s what’s happening across fintech right now.

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Webinar: LLM Playbook with Profound: How Financial Marketers Can Win in AI-Driven Discovery

Join leaders from Profound and Fintel Connect for an interactive live discussion on how large language models (LLMs) are reshaping digital discovery - and what it means for your acquisition strategy. Unpack what signals drive LLM visibility, the role affiliates and publishers play in this new ecosystem, and the practical steps financial brands can take today to stay discoverable and competitive.

When? Tuesday, December 2 | 10 AM PST / 1 PM EST | Microsoft Teams

You'll learn: 

• How LLMs are transforming digital discovery - and what that means for SEO and acquisition in financial services.

• Practical insights into how banks, fintechs, and affiliates can future-proof their acquisition strategies in the age of LLMs.

• The evolving role of affiliates in supporting visibility, sentiment, and performance in a “no-click” world.

• The fundamentals of achieving LLM visibility and best practices for optimizing financial content for LLM discovery.

Featuring: 

• Josh Blyskal, Answer Engine Optimization Strategy & Research, Profound

• Nicky Senyard, CEO and Co-Founder, Fintel Connect 

• Alana Levine, CRO and Co-Founder, Fintel Connect 

Whether you’re experimenting with generative AI or building your 2026 acquisition roadmap, this session will give you the practical insights-and real-world examples - to help future-proof your growth strategy and win in the age of LLMs.