U.S. Bancorp's Platform-Based Reinvention Means Moving From Branches to Back End

The bank reported strong Q2 2025 earnings with a 13.2% YoY rise in net income and 18% return on tangible common equity, but investors reacted cautiously due to soft revenue and net interest income, and conservative Q3 guidance.Through its Elavon subsidiary and new embedded payment suite, U.S. Bank is evolving from a traditional processor to a front-end enabler of commerce.U.S. Bancorp is doubling down on embedded payments, blockchain and AI-driven infrastructure, aiming to become a platform-centric, infrast ...