Tearsheet Podcast: The Business of Finance

250 EpisodesProduced by Tearsheet StudiosWebsite

Tearsheet is news, opinion, and analysis on the business of finance.Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.Where social media, … read more

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Investors Bank's Dennis Budinich on kindness in the workplace: 'Banks don't talk about this stuff'

August 21st, 2019

30:37

Welcome to the Tearsheet Podcast. I'm Zack Miller.

I really enjoyed the recording of today’s episode. It’s different than what you’ve heard before. On …

'Free money has a way of sharing itself': Dosh's app enables retailers to target new customers

August 20th, 2019

19:36

Welcome to the Tearsheet Podcast. I’m Zack Miller.

A lot of the discussion on this show centers around customer acquisition. You may have a great product or service but if you can’t profitably acquire new customers at …

The Challengers 10: Judo raises big bucks down under -- Starling nears profitability

August 15th, 2019

27:29

Welcome to The Challengers podcast episode number 10.

Your hosts Zack and Josh talk about Aussie challenger bank Judo and its success in raising a war chest of capital ($400 million). Unlike other challengers, the …

FDX's Don Cardinal: 'Standards lower the barrier to financial innovation'

August 13th, 2019

19:48

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Behind the scenes and underpinning modern financial technology is data. Consumers want to access …

Finix Payments' Richie Serna: 'Payments is seeking deeper into the fabric of software'

August 9th, 2019

23:16

Welcome to the Tearsheet Podcast. I’m Zack Miller.

One of the major themes we’ve been exploring through this podcast and through our reporting is this idea of embedded finance or finance everywhere. The idea is that as …

'We call it Dream Fuel': Behind the growth of PayPal's SMB lending business

August 7th, 2019

19:17

Welcome to the Tearsheet Podcast. I’m Zack Miller.

In just five years, PayPal’s business financing solutions has serviced over 225,000 small …

How Addepar built an ecosystem around the ultra high net worth community with CEO Eric Poirier

August 5th, 2019

22:01

Welcome to the Tearsheet Podcast. I’m Zack Miller.

One of the hardest things in serving the ultra high net work community is providing them with the …

Equifax's Bill Phelan: 'With PayNet, we cover 30M US businesses and about $4 trillion of capital'

August 2nd, 2019

19:53

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Earlier in 2019, Equifax acquired Paynet, a company that provides commercial credit risk underwriting to online and alternative finance lenders, and commercial finance …

Inside Visa's fintech Fast Track program US launch

July 31st, 2019

18:12

Visa wants to accelerate its work in the fintech community with the launch of its Fast Track program in the US today. The program aims to speed up the process of integrating with the firm's global payment network, …

How Genpact's AI and analytics helped a Formula E racing team finish in the top 3 all season

July 28th, 2019

25:51

Welcome to the Tearsheet Podcast. I’m Zack Miller.

What does car racing have to do with financial services? Actually, a lot. Many of the same dynamics persist — improving car and driver performance, optimizing operations …

Deep Dive: Why on-demand companies like Uber and Lyft are embracing fintech

July 26th, 2019

9:07

Tearsheet's Sara Toth Stub published this week on the growing trend of on-demand transportation companies introducing financial products. Ride …

Novo's Michael Rangel: 'Solving SMB banking requires addressing the fragmentation'

July 25th, 2019

25:52

Welcome to the Tearsheet Podcast. I’m Zack Miller.

For US entrepreneurs, it was strange what was happening overseas. There wasn’t one but a handful of …

The Challengers 9: N26's US launch -- Capital One invests in MoneyLion -- Betterment's bank account

July 24th, 2019

20:26

N26 finally launched in the US and Josh and Zack explore how the challenger bank structured its launch (100,000 beta users and via a banking partner). Your hosts also explore what this means for the other European …

Anthemis' Yann Ranchere: Why I like to invest in 'boring' businesses

July 22nd, 2019

23:33

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Being an effective venture capital investor in fintech requires staying on top of consumer trends. …

Stephanie Schultz: Amex differentiates customer service by blending automation and human assistance

July 17th, 2019

18:12

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Stephanie Schultz is the vp and head of emerging strategic partnerships at American Express. In …

MBLM's Rina Plapler on how top financial services brands create emotional bonds with their customers

July 16th, 2019

19:41

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Rina Papler has been working in brand strategy for over 20 years. That means she’s worked with many of today’s top financial brands with market positioning, messaging, …

How CARD used affinity marketing to emerge as one the largest challenger banks

July 14th, 2019

20:16

Welcome to the Tearsheet Podcast. I’m Zack Miller.

There are a handful of firms gunning to become leaders in the challenger bank space. There are the …

Grayscale's Michael Sonnenshein on bringing Main Street investors into digital assets

July 11th, 2019

18:10

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Beyond the crazy things happening with digital currencies and crypto, there are companies building real businesses in digital assets. Grayscale is a digital asset …

Payfone's Rodger Desai: Digital transactions should be as easy as making a phone call

July 9th, 2019

23:01

Welcome to the Tearsheet Podcast. I’m Zack Miller.

We don’t spend a lot of airtime on the podcast talking about what happens behind payments and …

Synapse's Sankaet Pathak: Fintech should focus on building products that fill a larger need

July 8th, 2019

20:51

Welcome to the Tearsheet Podcast. I’m Zack Miller.

As favorite apps like Uber and Doordash incorporate new financial services, the spotlight is being increasingly shone on the companies powering the trend towards finance …

Unqork's Gary Hoberman: 'Financial services firms fail 93% of the time to get value from tech'

July 4th, 2019

34:50

Welcome to the Tearsheet Podcast. I’m Zack Miller.

Why is it that so many big transformational projects at large financial companies fail to move the …

The Challengers 8: Neobank exit strategies -- Is TransferWise a bank? -- 5 sleeper challenger banks

July 3rd, 2019

28:46

In the wake of last episode's eulogy for JPMC's Finn, your hosts explore exit strategies for the top challenger banks. Who buys these companies and …

Edison Partners' Kelly Ford: 'Growth stage companies are focused on several value drivers at once'

June 30th, 2019

24:32

Welcome to the Tearsheet Podcast. I’m Zack Miller.

For venture investors, it’s really hard picking winners consistently over time. Kelly Ford, a …

Deep Dive: Challenger banks go big by going local and niche

June 26th, 2019

11:55

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Tearsheet recently ran Sara Toth Stub's article on the emergence of a new type of challenger bank. …

WePay's Tina Hsiao on scaling the company after the Chase acquisition

June 23rd, 2019

22:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

As an integrated payments provider for platforms, WePay works with software firms like FreshBooks and BigCommerce to help small businesses get paid faster. Today's guest …

The Challengers 7: A eulogy for Finn -- Dave launches a bank -- Monzo, Revolut prepare for US launch

June 20th, 2019

26:00

Josh and Zack conduct a post-mortem on Chase's now-defunct Finn digital bank. Josh composed a eulogy that includes a lot of language from Finn's …

'Banking for humans': Dave launches credit-building banking for its 3.5M users

June 18th, 2019

18:17

Welcome to the Tearsheet Podcast. I'm Zack Miller.

A lot of fintech is in your face. It's loud and brash and wants you to know how good it is. When Dave launched, the personal finance manager flew under the radar. To me …

Mirador's Trevor Dryer: 'The world doesn't need another high price lender'

June 16th, 2019

22:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Back in the day, everyone — well, not everyone but certainly the vocal majority — thought it made sense to start non-bank lenders and go head-to-head with banks. OnDeck …

Finastra's Steve Hoke on making community banks more competitive

June 11th, 2019

18:18

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We frequently talk about the reliance of banks on their tech providers for new products. This interaction becomes more complex for community banks which frequently lack …

MSTS' Brandon Spear: 'Find a way to solve B2B payments painpoints and you'll make a real advocate'

June 8th, 2019

22:43

Welcome to the Tearsheeet Podcast. I'm Zack Miller.

While it may lack the sexiness found in the consumer space, B2B payments are experiencing their own form of transformation. With complicated buying cycles and the …

FIS' Ellyn Raftery on the evolution of financial services marketing

June 2nd, 2019

22:34

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Steering the marketing and strategy for one of the largest brands in financial technology is no …

Finxact's Frank Sanchez on building an ecosystem around core banking technology

May 30th, 2019

26:15

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Frank Sanchez has been in the core banking technology space for 35 years. He's back with Finxact, a …

Inside Experian's digital transformation with CIO Barry Libenson

May 28th, 2019

26:52

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Technology continues to infuse new product offerings. But tech's influence is also permeating …

Verifi's Rick Lynch on reducing the $31 billion chargeback problem

May 19th, 2019

20:16

We haven't done a whole lot of work on this show regarding chargebacks or the new approaches to authentication. How does fintech improve the conflict …

Behind the scenes of OakNorth's mortgage product launch with CFO Cristina Alba

May 19th, 2019

18:08

Challenger bank OakNorth launched a mortgage product earlier this month. Just a few years in, the bank uses a different playbook than other …

LendKey's Vince Passione on partnering with financial institutions with lending as a service

May 19th, 2019

21:47

Back in 2009, it was all the rage to build a direct lender. It didn't matter where the capital came from — it could have been from a marketplace of …

BankMobile's Luvleen Sidhu on T-Mobile MONEY, banking college students, and leveraging partnerships

May 19th, 2019

16:01

It's not just challenger banks popping up to vie for consumer and business bank accounts. With consumer demand and new empowering technology, It …

EY's Nikhil Lele on why banks and tech companies will soon offer financial subscriptions

May 19th, 2019

21:46

As financial services undergo some transformative changes, we talk a lot about where the puck is headed. The company, product or service or set of …

Why community and regional banks use Currencycloud to power their international payments

May 16th, 2019

22:05

Welcome to the Tearsheet Podcast. I'm Zack Miller.

International payments and money transfer firms are among the first of this generation's fintech …

Say's Byron Sorrells on using technology to give individual investors a voice

May 15th, 2019

24:40

We don't talk a lot about investor communications nowadays. As mutual funds and ETFs own massive amounts of stock, small individual investors are mostly sidelined. Tech company Say is trying to change that. The …

Binji launches, wants to be the only card in your wallet

May 15th, 2019

16:47

Welcome to the Tearsheet Podcast. I'm Zack Miller.

If you’re like most people, you have too many cards in your wallet. Fintech entrepreneurs have tried to tackle this problem from a variety of ways — from new hardware …

PartnerCentric's Stephanie Harris on how affiliate marketing is evolving in financial services

May 13th, 2019

22:56

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Today we dig into affiliate marketing. It's a model that was first made popular by Amazon. A …

NetSuite's Scott Derksen on why ERP sits at the center of banking as a service

May 12th, 2019

25:42

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're doing a deeper dive throughout this month on banking as a service. Like our previous exploration into data aggregation, banking as a service underpins much of …

The Challengers 6: OakNorth's new mortgages -- Chase banksplaining backlash -- N26 goes into Brazil

May 8th, 2019

26:09

Welcome to The Challengers Podcast with Tearsheet's Zack Miller and OurCrowd's Josh Liggett.

First up, we look at OakNorth's new mortgage product. OakNorth is using a different playbook to grow. It’s focused primarily …

Mezu's Yuval Brisker: Privacy is the issue of our age

May 8th, 2019

21:22

Welcome to the Tearsheet Podcast.

We seem to be in a societal tug of war about privacy. Facebook's CEO famously augured that people would happily …

Bento's Farhan Ahmad: We want to make it very easy for SMBs to replace checks

May 7th, 2019

19:29

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Farhan Ahmad is the founder and CEO of Bento for Business. He's worn the hat of entrepreneurial business leader within traditional financial institutions like Barclays …

Fintech-enabled marketplaces will disrupt traditional offline industries

May 5th, 2019

23:43

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Pete Flint is a serial entrpreneur. He built one of today's largest marketplaces, Trulia. Trulia …

Visa's Margaret Reid on the future of passwords and financial products

May 1st, 2019

14:53

Welcome to the Tearsheet Podcast. I'm Zack Miller.

In honor of World Password Day, May 2, I wanted to get to the heart of why we still use passwords. I personally have hit an age where my password systems and memory fail …

Blend's Erin Collard: Mortgages are the data superset of every other financial product

April 29th, 2019

22:47

Welcome to the Tearsheet Podcast. I'm Zack MIller

Financial technology company Blend began building its platform by helping traditional institutions …

Salesforce's Rohit Mahna: The financial industry needs to get comfortable being uncomfortable

April 29th, 2019

21:07

Welcome to the Tearsheet Podcast. I'm Zack Miller.

When I interview the heads of marketing and digital at major financial services institutions, I hear the same thing — how important it is to have a unified, consistent, …

Mastercard CPO Michael Miebach: Collaboration and partnerships are essential to spark innovation

April 24th, 2019

13:45

Welcome to the Tearsheet Podcast. I'm Zack Miller.

On our show today, I'm joined by Michael Miebach, chief product officer at Mastercard. Along with the Harvard Business Review, Mastercard released a survey of financial …

Deserve's Kalpesh Kapadia: 'We promise the best product for our customer's profile and life stage'

April 22nd, 2019

21:33

Welcome to the Tearsheet Podcast. I'm Zack Miller.

The financial system has always struggled with young people. Because the system uses credit history, young people were frequently excluded from credit products because …

Google's Ulku Rowe on how innovative financial services firms approach the cloud

April 21st, 2019

18:41

Our guest today Google's Ulku Rowe spends a significant amount of time with financial services companies as they grapple with new technologies like …

Square's David Rusenko on the relaunch of Square's Online Store

April 17th, 2019

14:38

Welcome to the Tearsheet Podcast. I'm Zack Miller.

David Rusenko sold his website builder, Weebly, to Square around a year ago. With the acquisition …

FI.SPAN's Lisa Shields on why ERPs are the banking channel of the future for businesses

April 16th, 2019

23:50

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Today's B2B fintech is all about data. Whether you offer loans, bank accounts, or some other type of financial service, the key is getting businesses to give you their …

Toast's Steve Fredette: 'We want to invest $1 billion in R&D in the next 5 years'

April 15th, 2019

18:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

One of the trends we're seeing at Tearsheet is the emergence of vertical players — companies that …

The Challengers 5: Who wants to be a bank -- the rise of BaaS -- Wells should heed Buffett

April 11th, 2019

22:50

On today's episode, Josh and Zack dive into the rising trend of banking as a service. As companies like Walmart and Apple continue to introduce financial services, they clearly don't want to be banks. Instead they turn …

Branch's Atif Siddiqi on how the largest brands use salary advance to retain workers

April 11th, 2019

16:44

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Hourly workers have specialized challenges and needs on the job. Shift management, communicating with one another, and getting paid are all issues tech company Branch …

Wave Financial's David Siemer: 'I'm all in on crypto'

April 8th, 2019

22:53

Welcome to the Tearsheet Podcast. I'm Zack Miller.

David Siemer is the founder of Wave Financial. As a financial services professional, he's all in on crypto. But it wasn't always that way. David takes us through his …

Equifax's Mykolas Rambus: 'There's still a lot of problems in data wrangling'

April 7th, 2019

24:46

Today's episode of Marketing Talk is all about data driven marketing.

Marketing is evolving within financial service, combining both art and science, …

Lending Podcast 4: Zillow as lender -- TD's digital lending -- LendingClub 'no worse than humans'

April 4th, 2019

20:37

Welcome to episode 4 of the Tearsheet Lending Podcast with your hosts Zack Miller and Dan Pelberg.

This week on the show we dive into Zillow's move to become a mortgage lender, rebranding its acquisition of Mortgage …

Digitizing construction finance with Rabbet's Will Mitchell

April 3rd, 2019

18:56

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Today's guest on the podcast is Will Mitchell, co-founder and CEO of Rabbet (https://rabbet.com/). He's built a construction finance platform that services construction …

On TransferWise's growth and maturation with CEO and co-founder Kristo Kaarmann

April 1st, 2019

26:15

Welcome to the Tearsheet Podcast. I'm Zack Miller

As I've covered the evolution in financial services and fintech over the past decade with Tearsheet, …

Zafin's Meenaz Sunderji: 'Banks are still very siloed in their products'

March 31st, 2019

22:59

Welcome to the Tearsheet Podcast. I'm Zack Miller.

My guest on today's show is Meenaz Sunderji, svp of partner growth and sales at Zafin. As an …

The Challengers 4: Making sense of Apple Card -- OakNorth's B2B strategy to go global

March 28th, 2019

24:30

On today's episode of The Challengers, Josh and Zack explore the new Apple Card. Josh doesn't understand why Titanium is such a pull for Apple fans. …

Green Dot's Dov Marmor: 'Ultimately, people want to bank with the brands they love'

March 28th, 2019

17:44

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're talking a lot about banking as a service. Dov Marmor leads the banking as a service group at Green Dot. Most people know the company as a prepaid debit card …

MoneyLion's CMO Bill Davaris on partnering with NASCAR and addressing the gender pay gap

March 27th, 2019

20:42

Today in the hot seat is Bill Davaris, CMO at Money Lion, a challenger bank that offers zero fee banking and investing, as well as credit and reward …

Behind BBVA's ramp of its Banking as a Service offering in the US

March 25th, 2019

17:53

This month, we're focused on banking as a service — defining it, understanding it, trying it on to see where it leads. The term BaaS is batted around …

Zelle's Melissa Lowry: 'Beyond awareness, we're trying to show how we make everyday better'

March 21st, 2019

20:35

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring in the next …

Lending Podcast 3: How SMB lenders grow -- JPM Chase gets into POS lending -- Amazon into lending?

March 19th, 2019

22:29

Welcome to episode 3 of the Tearsheet Lending Podcast with your hosts Zack Miller and Dan Pelberg.

This week on the show we review Tearsheet's webinar with leaders at Kabbage, BlueVine, and Intuit's QuickBooks Capital. …

The future of AI and ML in banking with Kony's Bill Bodin

March 19th, 2019

21:53

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Banks have been talking about leveraging artificial intelligence and machine learning for years. for the most part, it was mostly talk. Now, real use cases of AI and ML …

Using fintech to improve financial wellness with Salary Finance's Dhiren Master

March 17th, 2019

19:44

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Financial wellness is a popular topic as firms better understand that employees are happier and …

The future of data aggregation and the future of finance with MX's Brandon Dewitt

March 14th, 2019

20:42

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Over the past month, we've spent a lot of time writing and talking on data aggregation. It's not the world's sexiest topic, but it's one we've begun to appreciate. It's …

The Challengers 3: Revolut's perfect storm -- Ant Financial worries incumbents -- Stash adds banking

March 13th, 2019

24:52

Welcome to The Challengers Podcast, brought to you by Tearsheet. Your hosts are Tearsheet's Zack Miller and OurCrowd's Josh Liggett.

This week's episode covers a lot of ground. Before we hop into the program, I'm excited …

Citi's Mary Hines: 'With digital features, people redeem points more than five times a year'

March 11th, 2019

19:48

Welcome to the Tearsheet Podcast. I'm Zack Miller.

With all the choices consumers have to shop today, rewards programs are real differentiators. Turns out that 89 percent of consumers are more loyal to the stores or …

How Accion Venture Lab invests in the next generation of inclusive financial services firms

March 10th, 2019

23:18

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Many of our listeners might be familiar with Accion, the global non profit that uses digital …

Qwil's Johnny Reinsch: 'Our mission is to provide liquidity to SMBs and freelancers globally'

March 6th, 2019

20:46

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Before we start, I want to apologize about my voice on this episode — there was something clearly …

Citi Ventures' Arvind Purushotham: 'What happened in lending has migrated to all financial services'

March 4th, 2019

18:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Today's guest on the podcast is Arvind Purushotham, who heads up venture investing at Citi Ventures. We spend time talking about some of the themes around Citi's venture …

'Pitting misery against misery': How TrueAccord is turning debt collections into a financial service

March 3rd, 2019

24:50

The lending industry has long been rewarded for growth. Less focus has been given to profitability and performance — particularly for venture-backed …

EY's Sean Viergutz on the results of the firm's Open Banking Opportunity Index

February 28th, 2019

28:00

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Over the past couple of months, we've paid particular focus to the concept of open banking.

These …

BBVA Compass' Alex Carriles on the impact of choosing the right data aggregation provider

February 27th, 2019

12:07

Welcome to the Tearsheet Podcast. I'm Zack Miller

We're continuing our monthly series digging in to data aggregation. We've defined the topic and explained how it's become so important as the underpinning of financial …

The evolution of marketing as seen through the Financial Communications Society Portfolio Awards

February 26th, 2019

16:45

Financial marketing is an art as much as it is a science. And like with every form of art, it requires its own flavor of society to support its practitioners with leveling up and recognizing talent. The Financial …

Credit Karma's Dana Marineau: 'We want users to think of us as more than just free credit scores'

February 25th, 2019

21:00

We're continuing to experiment with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring in …

How AHP Servicing wove a social mission into real estate financing

February 24th, 2019

18:24

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're hearing of an increasing number of financial services that have woven a social mission into their operations. Today's guest, DeAnn O'Donovan is CEO at AHP …

The Challengers 2: Wells Fargo's loss is Chime's gain - Revolut's one-upsmanship in user acquisition

February 24th, 2019

25:30

Welcome to The Challengers Podcast, brought to you by Tearsheet. Your hosts are Tearsheet's Zack Miller and OurCrowd's Josh Liggett.

Before we jump into our show. I’d like to thank our sponsor MX for supporting …

TS Lending Podcast I 1: The race to 1 day mortgages, crypto lending grows up, SoFi adds investing

February 22nd, 2019

20:47

Welcome to episode 2 of the Tearsheet Lending Podcast with your hosts Zack Miller and Dan Pelberg.

This week on the show, we talk about crypto lending …

Fractal Analytics Sankar Narayanan: 'AI industry is a collective against inefficiency'

February 18th, 2019

29:45

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Banks have a lot on their plates right now. There are use cases for analytics and artificial intelligence today but they need to look externally for help.

I'll admit that …

TS Podcast: Deep dive into Amazon's heavy handed lending practices

February 15th, 2019

11:08

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Joining me today on our show is Tearsheet reporter, Dan Pelberg. Dan covers the lending space and he wrote an article earlier this week about Amazon's lending business. …

What is data aggregation and why it matters to digital finance

February 14th, 2019

19:30

Welcome to the Tearsheet Podcast. I’m Zack Miller.

We’ve been reporting a lot recently on the data aggregation industry. Gradually, over years, firms like Plaid, Quovo, Finicity, Yodlee and MX have been building real …

PayPal's first institutional investor, BlueRun's Jonathan Ebinger on investing in fintech today

February 11th, 2019

20:50

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We continue to talk to the best fintech investors in the business. Up today is Jonathan Ebinger, partner at BlueRun Ventures. BlueRun is probably best known in fintech …

Introducing The Challengers Podcast: Banks go global, apps as financial hubs, and Marcus is a player

February 7th, 2019

20:04

Welcome to the inaugural episode of The Challengers Podcast, hosted by Tearsheet's Zack Miller and OurCrowd's Josh Liggett.

Tearsheet's new The …

Building a bank designed for freelancers and solopreneurs with Joust's George Kurtyka

February 3rd, 2019

22:30

Welcome to the Tearsheet Podcast.

Managing finances for small and microbusinesses is a mess. 57 million people in the US freelance and 30 million or so of those are micro and small businesses. Small businesses typically …

Radius Bank's Chris Tremont on an innovation model for smaller banks

January 30th, 2019

24:49

Welcome to the Tearsheet Podcast. I'm Zack Miller.

On the show, we've explored a lot of ways large banks, with lots of assets and resources, have found ways to innovate. But smaller banks are innovating too — they're …

Haven Life's Yaron Ben-Zvi: 'People don't wake up in the morning wanting to buy a policy'

January 24th, 2019

22:07

Welcome to the Tearsheet Podcast. I'm Zack Miller

Shopping for life insurance after the birth of his first child, Yaron Ben-Zvi went online and was shocked. The world that was transforming banking and investing hadn't …

KPMG's Safwan Zaheer on the future of Open Banking

January 17th, 2019

15:57

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Open Banking is a concept that's been thrown around and prognosticated on for years. With last …

Clearcover's Kyle Nakatsuji on rolling out a national car insurer, state by state

January 14th, 2019

24:07

Welcome to the Tearsheet Podcast. I'm Zack Miller.

In the startup world, it's pretty unheard of nowadays to take a full year and a half before …

Investing in proptech with Camber Creek's Jeffrey Berman

January 8th, 2019

23:19

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Investors are definitely warming up to the opportunities in proptech — technology applied to real …

Western Union's Michael Hafer on growing a massive incumbent brand in a changing market

January 2nd, 2019

21:23

It's marketing time again — for these types of episodes, we invite in a marketing professional who's knee-deep in growing his or her business, bringing in the next cohort of customers and building a big company.

The …

F-Prime Capital's Ben Malka: 'There's lots left to do in insurtech'

December 28th, 2018

20:33

Today's guest on the show is Ben Malka, a partner at venture firm, F-Prime Capital. Beginning at Capital One Partners and F-Prime, Ben's been …

Forrester's Peter Wannemacher on his 2019 predictions for finance, fintech

December 26th, 2018

21:39

As an analyst at Forrester, Peter Wannemacher helps banks think about and develop their digital strategy. Peter joins us on the show to talk about his predictions for the financial services industry out into 2019 and …

Mastercard's Amy Neale: 'We make it easy for the best startups to say yes to what we have to offer'

December 19th, 2018

18:52

Welcome to the Tearsheet Podcast. I'm Zack Miller.

There's been a bull market in innovation programs launched by large financial institutions over the …

How tech is changing the wealth management adviser/client relationship with eMoney's Ed O'Brien

December 16th, 2018

15:04

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Today's guest on the podcast is eMoney Advisor, CEO Ed O'Brien. eMoney is one of the largest wealth management platforms in the space with over 2.5 million Americans on …

The future of the wealth management firm with AdvicePeriod's Jonathan Straub

December 13th, 2018

22:00

Welcome to the Tearsheet Podcast. I'm Zack Miller.

With roboadvisors, exchange traded funds, and mobile banks in your pocket, what does the wealth management firm of the future look like? It feels like core parts of the …

Varo Money's Carl Gish on how to market a new challenger bank

December 12th, 2018

22:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

It's marketing time again — for these types of episodes, we invite in a marketing professional who's knee-deep in growing his or her business, bringing in the next …

Why Jay Z and Kevin Durant are investing in a new life insurer with Ethos' Peter Colis

December 8th, 2018

17:11

Welcome to the Tearsheet Podcast. I’m Zack Miller.

It’s not everyday that Jay Z and Kevin Durant invest in fintech. They recently joined Sequoia and Accel on the cap table of Ethos, a new brand that’s trying to …

Inside N26's U.S. launch

December 4th, 2018

21:04

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Challenger bank N26 has made a name for itself in Europe. Beginning in Germany, the company has expanded throughout the continent. In June 2018, the company announced it …

Making innovation core to what you do with Intuit's Bharath Kadaba

November 30th, 2018

31:44

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We live at a time where technology innovation is accelerating. This optimistic idea, that things …

Why fintech VC Anthemis launched an online zine (kind of)about finance with CMO, Leslie Campisi

November 27th, 2018

26:56

It may seem odd that one of the leading fintech venture firms, Anthemis, launched an online zine that explores the big issues impacting financial services to raise attention and create action.

But when you speak to the …

How Marcus by Goldman Sachs took to the streets of New York to market its high yield savings account

November 25th, 2018

19:41

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're digging deeper here, talking to some of the top finance and fintech marketers about the challenges and opportunities in growing their businesses.

Marcus, the …

Inside Ally Bank's launch of Banksgiving

November 21st, 2018

21:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of …

Genpact's Raja Bose on the human experience in banking

November 20th, 2018

19:16

Welcome to the Tearsheet podcast. I'm Zack Miller.

As banks become more digital, and as consumers get more comfortable transacting electronically, the …

What's happening with Latin American fintech with Andres Fontao

November 19th, 2018

25:20

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Something interesting is going on in fintech in Latin America. The region —while nowhere near the maturity of what's going on in New York, London, Singapore, or Tel …

Laurel Road's Alyssa Schaefer on launching a new online lending brand with deep banking roots

November 15th, 2018

20:36

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're digging deeper here, talking to some of the top finance and fintech marketers about the challenges and opportunities in growing their businesses. It's not often …

Mastercard's Marcy Cohen on launching and growing a podcast

November 13th, 2018

20:44

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of …

Wave's Grace Marquez: Behind the scenes of the re-brand

November 8th, 2018

21:59

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of …

Cambr's Ahon Sarkar on adding banking functionality and a full blown deposit network to fintech apps

November 7th, 2018

19:39

Welcome to the Tearsheet Podcast. I'm Zack Miller.

What do you do if you've built an online lender and you decide you want to offer simple banking …

Funding Circle's Bernardo Martinez on the role banking partnerships play in customer acquisition

November 1st, 2018

16:28

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of …

Plaid's Sima Gandhi: 'Chase has been forward looking about consumers' access to banking data'

October 31st, 2018

17:30

Welcome to the Tearsheet Podcast. I'm Zack Miller.

There's a low-scale war going on right now to get at user-permissioned data. The writing's on the wall — banks are sharing customer data with the fintech apps their …

Intuit's Rania Succar: 'The combination of payments and capital is super strategic'

October 25th, 2018

17:37

Welcome to the Tearsheet Podcast. I'm Zack Miller.

As an integrated fintech company, Intuit seems to be firing on all cylinders. Its QuickBooks product helps millions of businesses manage their finances. More than 240 …

FICO's Ben Werner on the future of digital auto finance

October 23rd, 2018

17:05

Welcome to the Tearsheet Podcast. I'm Zack Miller.

I've heard online auto financing compared to teenage sex — a lot of people talk about it, but few actually do it. That's actually a fact. In the first ever survey …

BFS Capital's Marc Glazer: 'Technology is driving big changes in the lending industry'

October 21st, 2018

24:10

Welcome to the Tearsheet Podcast. I'm Zack Miller.

My guest today is Mark Glazer, chairman and interim CEO of BFS Capital. BFS is somewhat of a pioneer in the industry. The South Florida- based company has been lending …

LendingClub's Bill Walsh: 'At its core, marketing is a data problem'

October 14th, 2018

18:50

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of …

Marketing Talk: Policygenius' Jonathan Metrick

October 9th, 2018

17:38

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're experimenting with an interesting new series on the podcast called Marketing Talk. We're talking to top finance and fintech marketers sitting on the front lines of …

How TransferWise scales internationally with CTO Harsh Sinha

October 8th, 2018

21:13

Welome to the Tearsheet Podcast. I'm Zack Miller.

There's a lot of activity in global payments going on right now. Interestingly, global payments was …

Bunker's Chad Nitschke: "Freelancers just had no idea where to go for insurance"

October 7th, 2018

20:13

Welcome to the Tearsheet Podcast. I'm Zack Miller.

I've been really drilling down on the insurtech industry for the past couple months here on the podcast. And it's interesting: some of the firms I've interviewed have …

Anthemis' Ruth Foxe Blader: 'Like Google, insurance firms are data companies'

October 1st, 2018

25:24

Ruth Foxe Blader cut her teeth on digital innovation at PepsiCo and Allianz. It was inside one of the world's largest insurance firms that she grew to appreciate just how much opportunity there is for innovation in …

Shortening insurtech time to market with Boost Insurance's Alex Maffeo

September 26th, 2018

20:07

Welcome to the Tearsheet Podcast. I'm Zack Miller.

When you talk to insurtech entrepreneurs and investors and you lament the issue of how long it actually takes to bring a product to market, you can immediately get heads …

What to expect at this year's Money 20/20 with Tracey Davies

September 24th, 2018

21:07

Welcome to the Tearsheet Podcast. I'm Zack Miller.

If you're like most of our listeners, you're probably gearing up to travel to Las Vegas, October 21-24 to attend this year's Money 20/20 conference. In seven years, …

FINOS' Gab Columbro: 'The industry's appetite to embrace open source has drastically accelerated'

September 21st, 2018

26:19

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We spend a lot of time talking and thinking about financial technologies and products. Almost all …

How Finicity helps financial organizations build and partner with financial apps

September 19th, 2018

24:50

Welcome to the Tearsheet Podcast. I'm Zack Miller.

In today's financial world. we talk a lot about data, APIs, digitization. As more of the largest financial organizations continue to partner with fintechs, data …

How Broker Buddha simplifies commercial insurance with Jason Keck

September 14th, 2018

16:44

Welcome to the Tearsheet Podcast. I'm Zack Miller.

We're continuing with our insurance and insurtech trends with a story today about a startup …

Turning music rights into an investable asset with Royalty Exchange's PJ Miklus

September 12th, 2018

25:19

One of the major themes on the podcast a few years back was the investification of various asset classes. We've seen LendingClub open up personal lending at scale to investors. Companies like Angel List and OurCrowd …

Changing the way home insurance is sold with Hippo's Assaf Wand

September 10th, 2018

26:39

There's been a rash of activity and a big influx of new capital into insurtech. Insurance almost feels like it was the last holdout to be targeted by …

Cadre's Ryan Williams: 'We believe tech can accelerate liquidity in real estate'

February 22nd, 2018

21:06

Fast Company recently published its list of the world's most innovative companies. There were 10 financial companies that made the list. One of them was Cadre, a digital platform that streamlines real estate …

Citi Ventures' Vanessa Colella: 'No one runs innovation. It's all about unleashing it.

February 1st, 2018

22:46

As one of the largest financial institutions in the world, Citi takes its innovation efforts seriously. Combining internal and external models of …

WorldRemit's Catherine Wines: 'Making money transfer as easy as texting'

January 24th, 2018

17:58

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Catherine Wines has seen how technology has impacted the remittance business. When she co-founded …

Wirecard's Deirdre Ives: 'Our customers are driving innovation'

January 17th, 2018

10:38

Wirecard is a global technology group that enables companies to accept payments from all sales channels. The German company operates in 35 countries …

Reliamax's Michael VanErdewyk: 'We're seeing a move towards more private student loans'

January 10th, 2018

10:28

With all the excitement around online lending, there are still some spaces that have a long growth runway. One of the most persuasive growth …

PrimeRevenue's Tom Roberts: 'More companies are optimizing their cash conversion cycle'

January 3rd, 2018

19:54

Supply chain finance is a part of fintech that doesn't share the same limelight with other sectors like consumer lending or consumer payments. Throughout history, companies have typically turned to one or two financial …

Roostify's Rajesh Bhat: 'We're still in the first quarter of the online mortgage game'

December 8th, 2017

21:53

A poor homebuying experience compelled our guest this week to search for a better way.

Rajesh Bhat is the CEO and co-founder of Roostify, an enterprise mortgage origination platform. Unlike with some other financial …

Raise's George Bousis: 'Gift cards really simplify the ways retailers service customers'

November 22nd, 2017

20:39

George Bousis began his career as a professional gamer. As he grew up and found his direction in his family's grocery business, his fascination with …

Quandl's Tammer Kamel: 'Top investors are looking for gold nuggets in a sea of data'

November 15th, 2017

23:11

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Tearsheet’s next event, Hot Topic: Mobile Payments, will discuss the successes, failures, opportunities, and motivations for various players fighting to stay current …

Aspiration's Andrei Cherny: 'Our customers are treated as whole people, not just dollars and cents'

November 8th, 2017

23:41

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Tearsheet’s next event, Hot Topic: Mobile Payments, will discuss the successes, failures, opportunities, and motivations for various players fighting to stay current …

Kasisto's Zor Gorelov on the future of conversational banking

November 1st, 2017

20:55

Mobile payments are a solution without a problem; a way for banks and retailers to stay top of mind for customers as most of their attention and the …

Xero's Keri Gohman: '70 percent of small businesses are using cloud technology'

October 18th, 2017

22:12

Mobile payments are a solution without a problem; a way for banks and retailers to stay top of mind for customers as most of their attention and the …

Dr. Sean Wise: 'Customers are the real people validating fintech ideas'

September 21st, 2017

21:28

As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just …

XE's Beric Farmer: 'Entrepreneurs can't get starstruck by people who seem to have all the answers'

September 14th, 2017

28:09

As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just …

WEX's Melissa Smith: 'In the financial marketplace, momentum matters'

August 31st, 2017

19:56

As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just …

StashInvest's Brandon Krieg: 'Big companies crave innovation but it's harder for them to move fast'

August 24th, 2017

20:03

As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just …

Edison Partners' Chris Sugden: 'With growth equity, dogs are already eating the dog food'

August 16th, 2017

32:41

Welcome to the Tearsheet Podcast. I'm Zack Miller.

As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial …

Money.net's Morgan Downey: "2016 was Bloomberg's 'Blackberry Moment"

August 10th, 2017

25:55

Hundreds of millions of dollars — and in some cases, billions - have been spent trying to create a Bloomberg killer. So far, no one's come close to …

Ping An's Jon-Tzen Ng: 'We look at progress in a matter of days and weeks'

July 19th, 2017

28:35

In the West, when we think about innovation, financial firms don't generally grace a top 10 list of innovative firms. Not so in China. There, the …

Adyen's Luke Salinas: 'The industry's been talking about omnichannel for years'

July 12th, 2017

16:34

Luke Salinas runs strategy in North America for Adyen, which is a provider of frictionless payments across online, mobile, and in-store for global …

Experian Ventures' Alex Marquez: 'Venture is our listening post to all the innovation going on'

June 29th, 2017

18:14

After 18 plus years in corporate venture capital, credit bureau Experian brought in Alex Marquez last year to launch their own investment vehicle. While the firm has been pretty acquisitive throughout its history, this …

Scott Mills: 'Your fintech PR has to show you're making progress and that's tough to do'

June 20th, 2017

23:18

Welcome to the Tearsheet Podcast. I'm Zack Miller.

Scott Mills has fintech PR in his blood. Along with his dad and his brother, Scott has built William Mills into the largest independent PR and marketing firm in the …

MassMutual Ventures' Doug Russell: 'Our objective is to generate insights into our ecosystem'

June 14th, 2017

16:48

We're continuing on our series of interviewing top corporate venture capitalists in the finance industry to get their perspectives on where things are headed by looking at where they're investing.

Today's guest is Doug …

Blockchain Capital's Spencer Bogart: 'Wall Street should be paying attention to blockchain now'

June 5th, 2017

19:54

What do you do as a sell-side analyst when you write the seminal research report on Bitcoin? You join a new type of venture capital firm that invests …

American Family Ventures' Dan Reed: Fintech investing answers questions that haven't been asked yet

May 28th, 2017

19:00

If you want to drill deeper into the topics we discuss weekly here on the show, you're going to want to attend our upcoming event, Tearsheet Money. We'll be convening June 5th in New York City to hear about the state of …

WorldFirst's Mike Ward: "People still don't realize that there are alternatives to the incumbents"

May 21st, 2017

21:10

Welcome to the Tearsheet Podcast. I'm Zack Miller. If you want to drill deeper into the topics we discuss weekly here on the show, you're going to want to attend our upcoming event, Tearsheet Money. We'll be convening …

Zions Bank's Alex Jimenez on defining innovation and doing it better

May 11th, 2017

18:44

This week's guest on the podcast is Alex Jimenez, a vice president and senior strategist at Zions Bank in Salt Lake City where he leads the overall …

Fintech recruiter Nako Mbelle: 'Fintech skillsets in demand right now are pretty exotic'

May 8th, 2017

27:32

This week's guest on the podcast is Nako Mbelle, who runs global recruitment boutique, Fintech Recruiters (www.fintechrecruiters.com), serving the …

Investing in innovation with Mastercard's Jeff Allen

May 2nd, 2017

25:56

If you want to drill deeper into the topics we discuss weekly here on the show, you're going to want to attend our upcoming event, Tearsheet Money. We'll be convening June 5th in New York City to hear about the state of …

Jo Ann Barefoot: 'If regulators can tilt fintech, they'll be able to tilt all of finance'

April 25th, 2017

22:30

Welcome to the Tearsheet Podcast. I'm Zack Miller. If you want to drill deeper into the topics we discuss weekly here on the show, check out our latest event, Tearsheet Money. We'll be convening June 5th in New York …

Inlet's Chuck Cordray: 'After 20 years, finance is less than 20 percent of the way to paperless'

April 18th, 2017

24:31

Welcome to the Tearsheet Podcast. I'm Zack Miller.

If you want to drill deeper into the topics we discuss weekly here on the show, check out our latest event, Tearsheet Money. We'll be convening June 5th in New York …

The secret sauce in Taco Bell's and Dunkin' Donuts' mobile apps with CardFree's Jon Squire

April 11th, 2017

19:48

When you think about successful mobile apps, sure you think about Starbucks. But you'd probably also want to include Taco Bell and Dunkin Donuts. …

Lendio's Brock Blake on SMB lending, fintech franchising, and building sustainable businesses

April 4th, 2017

20:44

Welcome to the Tearsheet podcast. I'm Zack Miller. Just a quick reminder that the our podcast, website, and newsletter are now called Tearsheet.

This week Brock Blake of Lendio joins us on the show. Brock started his …

Digitizing the credit bureau with Experian's Laura DeSoto

March 28th, 2017

17:30

Just a quick reminder that the podcast, website, and newsletter — the whole dang company actually — is now called Tearsheet: http://www.tearsheet.co

U.S. Bank's Dominic Venturo on creating a model of innovation

March 22nd, 2017

19:15

Before we jump into this week's interview, I just wanted to let you in on a little housekeeping news. Last summer, Digiday Media announced the acquisition of Tradestreaming, a new vertical that was devoted to the big …

Behind the war for fintech talent with untapt's Ed Donner

March 13th, 2017

20:53

Welcome to the Tradestreaming podcast. I'm Zack Miller.

There's a serious shortfall for technology talentin financial services and fintech. untapt's …

Tradestreaming Deep Dive: Amazon and Capital One?

March 1st, 2017

10:08

Welcome to the Tradestreaming Podcast. I'm Zack Miller.

Today's episode is part of a new series we're running. It's called Deep Dive and as part of the show, we get an inside look from the reporters writing some of our …

Malauzai Software's Robb Gaynor on mobile banking, retail payments, and chatbots

February 23rd, 2017

23:37

We've been on kind of a kick here recently with the podcast, exploring today's trends in mobile finance and what's driving mobile banking and retail payments. Today's guest is Robb Gaynor, the chief product officer at …

Accelerating mobile commerce and loyalty programs with Sionic Mobile's Ronald Herman

February 9th, 2017

24:58

So many retailers are shooting to emulate Starbucks' loyalty program. But they're falling short. Way short. Why is that?

On the Tradestreaming Podcast …

Making regtech sexy with Trulioo's Stephen Ufford

February 1st, 2017

27:11

Welcome to the Tradestreaming podcast. I'm Zack Miller.

Today's episode is a first for the podcast. We're talking about regtech, the technology that …

Bain's Gerard du Toit: Why 30 percent of banking customers buy products from competitors

January 19th, 2017

24:53

Something curious just popped up on our inevitable march toward mobile banking. Adoption kind of hit a wall. Sure, a lot of early adopters are …

SAP's Kris Hansen on what's really happing in blockchain

January 11th, 2017

18:08

Welcome to the Tradestreaming podcast. I'm Zack Miller.

In our coverage of bitcoin and supporting blockchain technologies, it's clear that the hype …

BBVA's Scarlett Sieber on embracing new directions in banking

January 5th, 2017

19:21

While some banks and fintech professionals are still just talking about embracing new directions with their businesses, Scarlett Sieber and BBVA are doing just that today. Scarlett is the senior vice president of global …

Beyond the blockchain hype with MIT's David Shrier

December 22nd, 2016

17:34

Blockchain may be nearing the peak of its hype cycle but much of the hubbub is just that — top financial firms are still just testing distributed …

Connecting with customers' passion points with Citi's Julie Booth

December 14th, 2016

18:00

On this week's podcast we have Citibank's Julie Booth. She is a senior vice president in the cards group focused on social and content strategies for …

Real world blockchain applications with ACI's Mark Ranta

December 9th, 2016

12:57

On this week's episode of the podcast, Tradestreaming reporter Josh Liggett interviews Mark Ranta, the global head of digital banking solutions at …

CNN's Cristina Alesci on making banking authentic again

December 4th, 2016

20:43

Welcome to the Tradestreaming Podcast. I'm Zack Miller.

Cristina Alesci joins me on this week's show. Cristina is a television and digital correspondent for CNN and CNNMoney. She covers the companies and business leaders …

‘Chatbots are getting way over hyped’: Ron Shevlin on the future of people in banking

November 25th, 2016

16:00

Last week, we hosted our first conference, the Tradestreaming Money Conference. We had hundreds of top speakers and attendees from the largest …

WTF Is Blockchain

November 4th, 2016

20:39

This episode of the Tradestreaming Podcast is a bit different than our others. You'll hear multiple voices in addition to host, Zack Miller. These …

Building financial communities with Vanessa DiMauro

October 6th, 2016

25:16

Today's financial firms aren't your father's financial firms.
Vanessa DiMauro is the CEO of Leader Networks, a research and consulting company that …

Lani Hayward on Umpqua Bank's acclaimed podcast, Open Account

September 29th, 2016

23:33

Umpqua Bank is the West Coast’s largest independent community bank, headquartered in Portland, Oregon. The bank calls its branches stores and designed them as inviting spaces for people to come in, read the paper, surf …

Autonomous Research's Lex Sokolin on the 4 waves of roboadvisors

September 22nd, 2016

33:30

I'm joined this week by Lex Sokolin. He's a self-described futurist and entrepreneur focused on the next generation of financial services. He …

Meb Faber on designing investment strategies, launching ETFs, and building a digital advisor

September 2nd, 2016

28:34

I'm joined this week by Meb Faber. He's a self-described investing researcher, author, financial entrepreneur, and now, podcaster. Meb's found a way to navigate his own path through investment management by building his …

Alex Tapscott on why the future of finance will be on blockchain

July 22nd, 2016

25:54

Today's guest is Alex Tapscott who runs Northwest Passage Ventures which works to build blockchain companies with capital and other resources.

Alex's interest in blockchain stems from a research project he conducted a …

Tradestreaming joins Digiday Media

July 19th, 2016

2:30

Today's episode is going to be a bit different from our regular format. Instead of interviewing a top fintech entrepreneur, someone leading digital …

Injecting big data into real estate investing with Ely Razin

July 8th, 2016

18:07

We've spoken a lot on the podcast about tools for institutional investors. Technology and data have changed the way they go about their business. But …

BBVA's Scarlett Sieber on the building of a consumer banking ecosystem

June 24th, 2016

22:59

Spain-based BBVA is one of the most creative and aggressive global banks when it comes to investing in new financial technology. In part, that's …

Top fintech banker Steve McLaughlin on the future of wealth management

June 17th, 2016

21:35

Investment Banker Steve McLaughlin left Goldman Sachs in 2002 to start FT Partners, a boutique investment bank focused on fintech. Since then, Steve …

Susquehanna Growth Equities' Amir Goldman on investing in fintech

May 27th, 2016

22:44

This episode is another in an ongoing series on this show where we talk to some of the leading investors in the financial technology space. This …

Investing in growth-stage financial services with Long Ridge's Kevin Bhatt

May 20th, 2016

24:45

This episode is another in an ongoing series on this show where we talk to some of the leading investors in the financial technology space. This …

How to build a bank with no branches with Card.com's Ben Katz

April 22nd, 2016

20:44

Wall Street has been shedding Main Street bank branches of late and it doesn’t appear like it’s letting up any time soon.

As more financial transactions occur over the web, the purpose of a bank branch is changing and …

Thiel Capital's Phin Upham on investing in tomorrow's financial giants

April 8th, 2016

27:44

Next up, we’ve got Phin Upham. Phin is a principal at Thiel Capital, famed-fintech investor Peter Thiel’s investment office. Peter is a renown entrepreneur (founded PayPal and Palantir) and an equally talented investor. …

Canaan Partners' Dan Ciporin on investing in marketplace lending

April 1st, 2016

22:09

We’ve explored various themes on investing in financial technology on this show.

We’ve interviewed Caribou Honig at QED Investors. We’ve also spoken …

Jan Bellens: Trends in Asian Fintech

March 4th, 2016

23:40

Jan Bellens is banking and capital markets leader for EY in emerging markets and Asia Pacific.

He’s tasked with a role at his firm that is part …

Marketplace lending meets retirement investing with Income&

February 19th, 2016

15:01

Open any news site and you’ll read how the Marketplace Lending sector is ramping. US companies like Lending Club and Prosper are underwriting …

Creating the ultimate algorithm: How Numerai crowdsources successful trading strategies

February 9th, 2016

19:36

We’ve spent the past couple of weeks of this show talking to leading early-stage investors in financial technologies -- guys like Charles Moldow of …

Why Foundation Capital's Charles Moldow invests in B2C fintech companies

February 2nd, 2016

22:18

Last week, we had Caribou Honig of QED Investors on the podcast and I said that his portfolio is one of the strongest in fintech. If I had to name …

QED Investors' Caribou Honig on investing in today's early stage fintech

January 26th, 2016

23:17

Our guest for this episode is Caribou Honig, a founding partner of QED Investors. QED has quietly become one of the top investors in the financial …

Ron Shevlin on the bank of the future

January 19th, 2016

30:22

If you listen to NPR, you’ll sometimes hear a recording artist, someone like Lyle Lovett, referred to as “an artist’s artist”. Meaning, an artist that other people of the same craft can appreciate and love.

Our guest on …

How today's fund managers connect with interested investors -- with Peter Hans

January 8th, 2016

26:15

Imagine a world where regulation and compliance didn’t rule financial services with an iron fist. Ok, that’s never going to happen but certainly it’s …

Top fintech stories of 2015

January 1st, 2016

8:59

2015 was in many ways a watershed year for fintech.
According to Pitchbook, it looks like 2015 will finish with close to $8 billion worth of venture …

Why Blue Elephant's Brian Weinstein left BlackRock to invest in marketplace lending

December 18th, 2015

22:09

What would it take to get a managing director, managing a hundred billion dollars of fixed income assets at BlackRock, to jump ship to a start up …

Funding Circle's Sam Hodges on scaling growth by navigating globally

December 11th, 2015

19:31

Online lending is enjoying its moment. New platforms are launching monthly and raising hundreds of millions of dollars in debt and equity in a race …

Western Union and WeChat: How to create a winning partnership between old and new

December 4th, 2015

15:50

One of the themes we’re tracking here at Tradestreaming is the confluence of incumbent financial institutions with new technologies, platforms, and …

Xignite's Stephane Dubois on providing stock market data to the fintech industry

November 27th, 2015

27:26

Last week’s episode featured Vince Passione from LendKey -- an innovative company turning offline lenders into online ones. In the rush to digital, we’re seeing pureplay fintech startups attempting their best to disrupt …

LendKey is turning top banks into marketplace lenders

November 19th, 2015

27:59

As the interest in fintech and financial services in general continues to grow, there’s been chatter of an Uber-like disruption by the startups in …

Getting investors excited about stocks again with Stockpile's Avi Lele

November 12th, 2015

21:55

In a world of roboadvisors, index funds, and algo trading, investors have learned to cut costs and simplify their investing. In some markets, over 90% of all trading is done by machines and we know markets are moved by …

Simply Invest Like a Hedge Fund -- with Mike Kane

April 17th, 2015

29:53

In the world of investing, there's a lot of excitement around roboadvisors.

These automated and cheap investment platforms, like Wealthfront and …

Invest in franchises -- with ApplePie's Denise Thomas

April 9th, 2015

26:51

Don't know about you, but owning or investing in a franchise business has always captivated me. Something about local ownership, the brand, a business in a box. But minimum investments were typically too high and who …

Invest In Small Businesses With Kickfurther's Sean De Clercq

March 8th, 2015

26:31

Many people have grown tired of passive investing. Sure, the data show that the more remove the human elements -- our evolutionary biases -- the …

The online investing course -- with Mesh Lakhani

February 22nd, 2015

31:45

It isn't every day you stumble upon your doppelganger.

Mesh Lakhani may very well be mine. He's the investor and author behind the Future Investor Course (http://www.futureinvestor.co ), a great new course that teaches …

Investing in Litigation Finance -- with LexShares' Jay Greenberg

January 3rd, 2015

20:41

LexShares (http://www.lexshares.com ), a new investing platform co-founded by Jay Greenberg, allows individuals to invest in litigation.

Known as 'litigation finance', this form of investing hasn't been available to a …

Getting financial information in the margins -- with Akash Kapur

December 23rd, 2014

18:04

I don't know about you but some of the most heated investing discussion happen after a company (say, like, Apple) announce earnings. Investors pore over earnings filings in pursuit for valuable information to support -- …

FeeX: The Robin Hood of (Investment) Fees

November 17th, 2014

28:29

Investment fees can literally suck hundreds of thousands of dollars out of your retirement accounts over your lifetime.

What makes this even more …

Getting good advice (finally) for your 401k -- with Chris Costello

October 23rd, 2014

33:24

Why is it so hard to know what to do with your 401k? Why is it hard to understand what you're invested in and get advice on how to improve it?

Chris Costello, co founder of Blooom, joins Zack Miller on the Tradestreaming …

Investing in quality real estate deals with just $100

August 18th, 2014

23:56

Real estate crowdfunding is one of the hottest investments right now and Fundrise is leading the charge.

Lead by co-founder Dan Miller, the firm recently chocked up a $38M investment round and many top real estate …

007 The 3 flavors of crowdfunding and the future of how we allocate capital

August 7th, 2014

25:29

This episode of TWiC is a new variation on the podcast -- a short experiment. It's just 20 minutes long and it's me (Zack) riffing on the different types of crowdfunding (there are essentially 3 different flavors). My …

006 How real estate investment firms are finding new investors with Groundbreaker

July 31st, 2014

45:06

Investors are flocking to real estate crowdfunding platforms to get access and invest in real estate and they're doing it in different ways: some platforms focus on investments in loans, others in equity, and others in …

005 Running successful crowdfunding campaigns with Roy Morejon

July 24th, 2014

42:52

It may look easy to launch a crowdfunding campaign, raise hundreds of thousands of dollars, and hit your targets...but it ain't.

The secret behind …

004 Educating investors on the crowdfunding opportunity

July 17th, 2014

33:48

On this week's TWiC podcast, we interview the guys behind Crowdability -- a great resource for investors thinking about getting a bit more serious about equity crowdfunding. Matt and Wayne are 2 extraordinary …

003 Create better consumer products, make more money with Quirky

July 9th, 2014

33:24

Creating a new consumer product used to be a somewhat solitary process.

But what if you could throw thousands of your closest from around the world …

002 Pivoting Prosper into a $ billion marketplace lender

July 3rd, 2014

41:15

On Episode #2 of This Week in Crowdfunding podcast, we invite Prosper's president, Ron Suber onto the program to talk about how he's built Prosper

001 Peter Renton on How the Lending Club IPO changes everything

June 26th, 2014

41:15

On the inaugural This Week in Crowdfunding podcast, David Stark and Zack Miller discuss all things crowdfunding.

First up, we do a hard-punching news …

Investing in real estate via crowdfunding - with Realty Mogul's Jilliene Helman

June 15th, 2014

24:36

Crowdfunding is changing the way many people invest. Real estate crowdfunding, in particular, has seen massive interest as investors now have the …

Investing in people with potential -- with Upstart's Dave Girouard

June 8th, 2014

29:36

What if you're a recent college grad with a computer sci degree and need to borrow money? (crickets)

What if you're an investor and would like to be …

Creating a new asset class of personal loans -- with Lending Club's Scott Sanborn

June 1st, 2014

32:51

In 2012, Renaud Laplanche, founder and CEO of Lending Club, joined me on the Tradestreaming Podcast.

So much has happened in the peer to peer lending space since then (including the fact that they no longer call it "peer …

Powering the marketplace lending industry -- with Matt Burton

May 25th, 2014

24:55

This is the next instalment of our series on crowdfunding. Matt Burton, cofounder of the Orchard Platform joins me, Zack Miller, on the Tradestreaming Podcast.

Crowdfunding is a huge, transformative trend in investing. …

Investing in students -- with Pave's Oren Bass

May 18th, 2014

24:37

What do you get when you combine the college debt problem together with crowdfunding?

An entirely new investable asset, that's what.

Oren Bass, …

Investing in Distressed Mortgages -- with AHP's Jorge Newbery

May 11th, 2014

30:02

The Internet is opening up all kinds of new investment opportunities that many of us didn't have access to before.

One way real estate investors have made lots of money over time was by investing in distressed mortgages. …

Insider View: How Tadas Viskanta built a huge following and landed a top finance book publisher

October 24th, 2013

56:45

Insider View: How Tadas Viskanta built a huge following and landed a top finance book publisher by Zack Miller, Tearsheet

How to navigate your way to retirement -- with Aaron Katsman

October 7th, 2013

29:04

Retirement planning is tricky.

With interest rates so low, people are struggling finding good, solid fixed income investments. Ignoring the global …

Building best ideas portfolios -- with Kyle Mowery

April 21st, 2013

32:31

Investors have always been taught that diversification is good -- good for long term performance.

But, there's such thing as too much diversification. In a new paper, GrizzlyRock Capital's Kyle Mowery discusses how …

The Permanent Portfolio: How an entrepreneur invests -- with Craig Rowland

March 11th, 2013

23:33

As a successful entrepreneur, Craig Rowland knew how to take measured risks.

He does the same now when investing his portfolio. In The Permanent …

Investing with mind, body and emotion - with Bonnie Foley-Wong

December 11th, 2012

29:30

Bonnie Foley-Wong is an entirely new type of investment advisor.

Bringing together an integrated investing decision-making process that includes …

Predict the next M&A - with Arye Schreiber

November 27th, 2012

33:45

By most account, the M&A process is fundamentally flawed.

Incentives aren't aligned -- from advisors to bankers to CEOs. All want more M&A, …

Making everyone an investor in rarities - with Susan Carpenter

November 19th, 2012

21:01

Investing in fine art, collectible autos, and musical instruments used to be just a pipe dream for your average investor.

But with the need to get …

Unleashing your inner investor -- with Howard Reisman

November 12th, 2012

23:54

Some of the best investing tools were born out of an individual's personal needs.

StockRover is that type of tool. Created by Howard Reisman as a …

Build trading strategies without the need to code - with Rob Johnson

October 28th, 2012

19:48

Have you wanted to test an investing strategy but lack the tools and programming knowledge to sufficiently see if it works?

QuantBlocks (

Successful investment advice for retirement assets -- with Brian Murphy

October 22nd, 2012

30:29

Getting good investment advice for your retirement portfolios isn't easy and the industry doesn't make an investor's work any easier in this respect.

Making investing smart and easy -- with Folio Investing's Steve Wallman

October 14th, 2012

34:35

Steve Wallman's Folio Investing was a pioneer in the online brokerage industry.

Founded 12 years ago, Folio has built a very strong following for its …

Helping people make smarter financial decisions - with Michael Carvin

September 2nd, 2012

22:14

Decisions like buying a home trip up even the smartest minds. There are so many variables, so many moving parts - it's real hard to wrap your mind around it.

Today's guest on Tradestreaming Radio (

Using social and crowdsourcing to make better investment decisions - with Alexander Wallin

July 22nd, 2012

22:33

Many investors know intuitively that making investment research more social SHOULD lead to better outcomes.

The truth is, we're just beginning to figure out how social media can impact investment performance...and a new …

Investing in ideas - with Motif Investing's Hardeep Walia

July 9th, 2012

22:32

There's no lack of good investing ideas.

We all come across good, compelling investment themes in our work lives, at home, at the store.

Where we struggle as investors is finding the appropriate investing vehicle to …

Investing in people with peer to peer loans - with Lending Club's Renaud Laplanche

July 2nd, 2012

25:47

I have to admit: investing in peer to peer loans didn't initially appeal to me.

I thought it would be hard to assess the risk in lending to …

Get warm referrals now -- with Vestorly's Justin Wisz

June 24th, 2012

29:48

The holy grail for investment advisor marketing is getting your existing clients to refer you to their friends.

Where traditional marketing may close …

Winning strategies: Investing using policy as a guide - with James Juliano

June 10th, 2012

40:11

A lot of investors claim they're focused on the big picture.

Others give lip service to their focus on "the long term".

James Juliano, partner and …

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