Picture this: You’re in your car, driving down the road, and something goes awry. Your car is out of control, and it comes to an abrupt stop when it hits something; and it hits something hard enough that your airbags deploy. You’ve never thought much about your airbags before, and most days, it would seem like you didn’t need them at all. But because of your airbags, you are protected from an impact that could’ve otherwise been much worse. Simply put, that’s what capital requirements —...

A Connecticut digital bank launched a credit card last week to bridge the financing gap for small businesses. The new business credit card at Owners Bank, the small business-focused fintech arm of Liberty Bank, offers a competitive interest rate and a rewards program, which gives 10,000 points for the first $1,000 spent that can be used toward cash back, gift cards, and merchandise. The card allows a business to delegate portions of their credit limit – up to $50,000 – to as many as six...