While driving down an East Texas country road I spotted this scene. The autumn trees and the late afternoon sun made these golden bales of hay shine just a little bit more. Fortunately I had my camera with me. (c) James Q. Eddy Jr.

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Fintech companies are applying to become banks. Here's what it takes to become one

NPR | By Wailin Wong,

Ricky Mulvey

Published September 11, 2026 at 3:46 AM CDT

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Many financial technology companies are applying to become banks. The Indicator finds out what it takes to go through this process and what benefits come with a bank charter.

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Wailin Wong

Wailin Wong is a co-host of The Indicator from Planet Money.

Ricky Mulvey