Kate Cardone
Head of Money Management Stripe
Kate Cardone is Head of Money Management at Stripe, where she leads sales for Stripe’s embedded finance products, including Issuing and Financial Accounts. Her team is responsible for driving growth with leading platforms and enterprises as they embed financial services directly into their products.
Before Stripe, Kate spent a decade working at both Marqeta and Visa in a series of leadership roles spanning sales, account management, and partnerships.
Kate brings deep expertise in scaling go-to-market teams, monetizing emerging financial products, and partnering with companies building the next generation of financial infrastructure.
2026 Agenda Sessions
This panel explores why first party transaction data remains uniquely valuable — and why banks and fintechs have both the opportunity and the obligation to do more with the data they generate themselves. Institutions that lean into owned data will be far better positioned than those relying heavily on intermediaries.
This isn’t a critique of open banking as policy. It has an important role. But it cannot be the whole strategy. When it becomes the default, it introduces noise, inconsistency, and lowest common denominator insights.
The gold standard is still an owned card program. Leading institutions are investing in their card portfolios, data infrastructure, and customer experiences to build differentiated, network driven insights that power better products and deeper engagement.
Takeaways:
• Owning your data — and the card programs that generate it — is a competitive advantage.
• First party card data is the gold standard. Issuer native transaction data is cleaner, richer, and more structured, enabling accurate budgeting, personalization, and guidance.
• Open banking is access, not strategy. Aggregator data can add noise, weaken categorization, and limit differentiation. It’s a supplement, not a foundation.
• Winners will own their data experience. Institutions that invest in their own card programs, data infrastructure, and customer journeys will outperform those that outsource insight to third parties.
Sponsored by Spade
Monday 30 March 12:30 - 13:10 Banking
This isn’t a critique of open banking as policy. It has an important role. But it cannot be the whole strategy. When it becomes the default, it introduces noise, inconsistency, and lowest common denominator insights.
The gold standard is still an owned card program. Leading institutions are investing in their card portfolios, data infrastructure, and customer experiences to build differentiated, network driven insights that power better products and deeper engagement.
Takeaways:
• Owning your data — and the card programs that generate it — is a competitive advantage.
• First party card data is the gold standard. Issuer native transaction data is cleaner, richer, and more structured, enabling accurate budgeting, personalization, and guidance.
• Open banking is access, not strategy. Aggregator data can add noise, weaken categorization, and limit differentiation. It’s a supplement, not a foundation.
• Winners will own their data experience. Institutions that invest in their own card programs, data infrastructure, and customer journeys will outperform those that outsource insight to third parties.
Sponsored by Spade Banking US/Pacific
