Trade Engine

A former sell-side financials analyst with twelve years on the sector, Harper Langston covers the plumbing of money. At Trade Engine Harper focuses on net interest income, credit quality, capital, and fee engines across banking, insurance, and asset management, with close watch on underwriting cycles and digital adoption. Readers get straight talk on stress tests, reserve builds, deposit betas, and why certain fintech models scale while others stall. Harper’s explainers have appeared in financial journals and blogs and he is a frequent webinar guest on capital and liquidity frameworks. Known for translating dense filings into usable dashboards, Harper anchors each note in solvency, profitability, and governance. Off the clock he plays tournament chess, arguing that risk management is a board game with stricter rules than most investors admit.