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Tearsheet Podcast: The Business of Finance

313 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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What's Happening in Payments Ep. 7: Adyen's Brian Dammeir on the shifting payments landscape

May 20th, 2022

20:52

Welcome back to What’s Happening in Payments. I’m your host Ismail Umar, and in today’s episode, I’m joined by Brian Dammeir, president of North America at Adyen.

Adyen is an Amsterdam-based firm that allows businesses …

Acquire Podcast Ep9: Oxygen's new debit loyalty program Elements is winning rebels & change makers

May 17th, 2022

20:48

Today’s episode is about Oxygen’s campaign for mobile banking provider Elements. Elements is Oxygen’s multi-tier debit card loyalty program, and its …

Case study: How Intuit’s newest upgrade of Mint helps consumers save on bills and subscriptions

May 16th, 2022

10:36

In our latest case study, we spoke with Intuit Mint and ApexEdge about their enabling better money decisions, and financial wellness. Listen to our conversation with Steven McKean, co-founder and CEO at ApexEdge, and …

Banking Podcast Ep. 18: Will financial super-apps-in-the-making revert to what they’re good at?

May 15th, 2022

25:31

Welcome to episode 18 of Tearsheet’s Banking Podcast). Zack Miller, Tearsheet’s editor in chief, and Josh Liggett, investment team principal at OurCrowd, are your hosts.

In this episode, we’ll discuss:

How a bad market …

The challenges and opportunities for stablecoins in traditional finance with Paxos’ Mike Coscetta

May 11th, 2022

26:52

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

As the industry looks at what’s happening in crypto, there’s emerged …

Acquire Podcast Ep8: Billboards, donuts, and QR codes: Flexbase is building awareness

May 10th, 2022

24:04

In today's episode, I'm joined by Flexbase’s Zaid Rahman, founder and CEO, and Joey Randazzo, head of growth. Flexbase is a payments platform for construction companies. We’ll be diving into their standout approach to …

What's Happening in Payments Ep. 6: Quontic's payment ring, Visa and NFTs, and the new Square Stand

May 5th, 2022

13:00

Welcome back to What’s Happening in Payments. I’m your host Ismail Umar, and in today’s episode, we discuss why Quontic Bank decided to launch a contactless payment ring, what Visa’s Creator Program tells us about its …

Identity proofing in the Metaverse and Web3: David Milligan

April 28th, 2022

12:23

The following was produced by Tearsheet Studios. We worked with consulting firm Ulysses Partners to create a four-part series on identity proofing …

Acquire Podcast Ep7: ‘Founders not meeting with customers are doing it wrong': Conduit's CEO

April 26th, 2022

30:45

In today's episode, I'm speaking with Kirill Gertman, co-founder and CEO of Conduit -- a B2B fintech providing infrastructure for DeFi payments -- about building one API for DeFi, going to market in unlikely …

What's Happening in Payments Ep. 5: Extend's CEO on virtual cards and spend management

April 21st, 2022

21:50

Welcome back to What’s Happening in Payments. I’m your host Ismail Umar, and in today’s episode, I’m joined by Andrew Jamison, co-founder and CEO of Extend.

Extend provides digital payment infrastructure for financial …

‘We don't care about being the first, we care about being the best’: Helix’s Ahon Sarkar

April 20th, 2022

39:35

Q2’s rebranded its platform business earlier this year as part of revisioning embedded finance. Helix’s GM Ahon Sarkar joins us on the Tearsheet Podcast to discuss what he’s learned servicing big brand clients and …

The digital ID verification landscape and why biometrics are crucial: David Milligan & Graham Seel

April 14th, 2022

20:41

The following was produced by Tearsheet Studios. We worked with consulting firm Ulysses Partners to create a four-part series on identity proofing …

Acquire Podcast Ep6: Ice cream, puppies, and financial ease with Intuit Mint’s brand campaign

April 12th, 2022

19:52

Welcome to Acquire, Tearsheet’s Marketing Podcast. I’m your host, Rebecca Cohen, Head of Tearsheet Studios.

On today's episode, I'll be speaking with Jack Rubin, VP of Marketing, Partnerships & Advertising Operations …

What's Happening in Payments Ep4: Americans can't pay their bills on time & Stax becomes a unicorn

April 7th, 2022

13:35

Welcome back to What’s Happening in Payments. I’m your host Ismail Umar, and in today’s episode, we discuss why so many Americans are struggling to pay their bills on time, and we also talk about Florida-based payments …

Acquire Podcast Ep5: BNY Mellon’s flipping the script on the ultra rich

April 5th, 2022

26:27

On today's episode, I'm speaking with Kirti Naik, Head of Marketing and Communications at BNY Mellon Wealth Management. BNY Mellon is one of the …

The Banking Podcast Ep17: The story of Dave going public and BNPL as the new challenger bank

April 4th, 2022

30:29

Welcome to episode 17 of Tearsheet's Banking Podcast (fka The Challengers Podcast). I'm your co-host, Zack Miller, Tearsheet's Editor in Chief. Joining me is Josh Liggett, investment team principal at OurCrowd.

In this …

How FIs measure success in ID proofing and why we need biometrics: David Milligan & Ashim Banerjee

March 31st, 2022

18:39

The following was produced by Tearsheet Studios. We worked with consulting firm Ulysses Partners to create a four-part series on identity proofing …

Behind the scenes of Affirm's proprietary risk stack with Karthik Ramkumar

March 30th, 2022

18:33

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.
We’ve been talking a lot about Buy Now, Pay Later and its role in …

Acquire Podcast Ep4: Niching down with TreviPay’s community playbook

March 29th, 2022

17:07

On today’s episode I’m speaking with Michelle Faul, VP of Global Marketing at TreviPay. TreviPay is a global fintech that offers embedded payments in …

What's Happening in Payments Ep3: Veem's Marwan Forzley on the role of blockchain in B2B payments

March 24th, 2022

13:46

Welcome back to What’s Happening in Payments. I’m your host Ismail Umar, and for today’s episode, I’m joined by Marwan Forzley, co-founder and CEO of Veem.

Veem is a San Francisco-based global payments platform built for …

How JPMorgan Chase's recent C-suite changes are enabling more, new, and quicker product launches

March 24th, 2022

38:12

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller.

When startups come on the podcast, we talk a lot about the need and the challenge to deliver digital financial services at scale. There’s …

Acquire Podcast Ep3: Give a little, get a lot – Ocrolus’ try and buy campaign

March 22nd, 2022

20:29

On today’s episode of the Acquire Podcast I’m speaking with John Forrester, SVP of Product at Ocrolus.

Ocrolus is a document automation platform that …

Why user experience matters in identity proofing: David Milligan and Ruby Walia

March 17th, 2022

18:54

The following was produced by Tearsheet Studios. We worked with consulting firm Ulysses Partners to create a four-part series on identity proofing …

'We're putting the power in the hands of the banker': Jack Henry's CEO David Foss

March 16th, 2022

42:25

As we continue to press on the technology throttle, core software providers like Jack Henry are changing, too. The firm recently announced a new …

Acquire Podcast Ep2: Buying coffee with Ether -- Marqeta’s bringing crypto to point of sale

March 15th, 2022

20:31

On today’s episode I’m speaking with Jeff Otto, VP of Marketing at Marqeta. Marqeta is a card issuance and payments solution provider, and without a …

What's Happening in Payments Ep2: Tap to mobile, crypto cards, and PayPal's fraudulent accounts

March 10th, 2022

15:01

Welcome back to another episode of What’s Happening in Payments. I’m your host Ismail Umar, and this week, we talk about PayPal, tap to mobile payments, and crypto-backed cards. If you’d like to access more of our …

'I don’t mention blockchain by design': Shaul Kfir, Digital Asset

March 9th, 2022

21:09

We’ve got Digital Asset’s Shaul Kfir on the show today. Digital Asset helps power what it calls the Global Economic Network, an ecosystem of …

Acquire Podcast Ep1: Connecting the dots on Envestnet’s rebrand

March 8th, 2022

25:40

Welcome to Acquire, Tearsheet’s Marketing Podcast. I’m your host, Rebecca Alma Cohen, Head of Tearsheet Studios. And this is our very first episode.

The Acquire Podcast is all about exploring marketing campaigns for new …

‘SMBs want to be focused on leaving a legacy – not managing their money’: BlueVine’s Steve Allocca

March 3rd, 2022

13:46

The following was produced by Tearsheet Studios. We worked with small business lender BlueVine to produce a four part series on creating financial …

'Since our founding, there’s been this passion around stock ownership': Schwab's Zack Gipson

March 2nd, 2022

20:42

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Today’s guest is Zack Gipson, who runs Charles Schwab’s digital …

What's Happening in Payments Ep1: BNPL and credit scores, crypto payroll, Apple's Tap to Pay, & more

February 24th, 2022

16:22

Welcome to the first episode of What’s Happening in Payments, Tearsheet’s new bi-weekly podcast. Host Ismail Umar takes you through the recent developments in the world of payments and their wider implications for the …

'We're trying to keep up with, candidly, a very diverse set of use cases': Anchorage's Diogo Mónica

February 10th, 2022

25:48

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

We’re at an inflection point right now when it comes to blockchain …

'We never stopped originating during the pandemic': Fundbox's Prashant Fuloria

February 3rd, 2022

27:46

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Many of the firms we cover are moving towards becoming a one-stop-shop for their customers. Looking to deeply service their constituency, …

‘If you build a community, you won't become a commodity’: Boast AI’s Lloyed Lobo

January 31st, 2022

21:15

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I like to say that it takes a village to raise a fintech firm. You can …

The Challengers 16: SoFi gets a charter, N26 rethinks product-led growth, Starling goes platform

January 28th, 2022

29:24

In this episode of The Challengers, Josh Liggett and Zack Miller explore Sofi's move to get a bank charter and what it may mean for the company, as well as for its platform business, Galileo. Josh and Zack talk about …

Truist Ventures wants to bring 'surprise and delight' to financial services through its investments

January 24th, 2022

20:10

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Some of the largest banks in the US have active venture investing arms. They may differ in how they’re structured but for firms like Truist, …

'The conversation in bank boardrooms now is can we digitize fast enough?': Numerated's Dan O'Malley

January 20th, 2022

20:58

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

If you want to understand just how imperative it is for banks – …

‘Fintechs understand who their customer is, and build for them’: BlueVine’s Herman Man

January 19th, 2022

17:52

The following was produced by Tearsheet Studios. We worked with small business lender BlueVine to produce a four part series on creating financial …

'It's more fun battling over 150 basis points than than 10 basis points': Tern's Brion Bonkowski

January 12th, 2022

20:04

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

2022 is here and I’m beginning to meet and talk to a growing number of embedded finance platforms that may be new brands but have deeper, …

Behind Green Dot's embedded finance business with Amit Parikh

January 5th, 2022

26:24

Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller.

This following is part of a new series we’re running. It’s …

‘We're taking everything Gusto built and making it available as a platform’: Gusto’s Tomer London

December 28th, 2021

21:15

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

2021 was a year for payroll data. Payroll data continues to open up new …

'With income data, you can start to creatively rethink the paradigm of credit': Pinwheel's Kurt Lin

December 22nd, 2021

29:09

Welcome to the Tearsheet Podcast. I'm Tearsheet's editor in chief, Zack Miller.

If data is the underpinning of modern finance, payroll data is …

How Intuit builds embedded finance around customer benefits

December 16th, 2021

25:59

Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller.

This following is part of a new series we’re running. It’s …

How Goldman Sachs leverages partnerships to bring innovative products to consumers and SMBs

December 8th, 2021

27:29

This following is part of a new series we’re running. It’s called the Big Bank Theory, and it’s all about the future of banking. We see three options …

‘In biology, that's symbiosis’: Q2’s Ahon Sarkar on the win-win-win of embedded finance

December 7th, 2021

16:05

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on the …

Inside Cross River’s ecosystem of some of the best fintech brands

December 2nd, 2021

26:00

Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller.

This following is part of a new series we’re running. It’s …

‘Don't let any legacy tie you down’: How Piermont Bank blends humans and tech to service SMBs

December 1st, 2021

24:32

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. While we use the term challenger bank to refer to many of today’s top competitors in digital banking, the truth is very few are actually …

The roadmap ahead for Square Banking with Luke Voiles

November 17th, 2021

35:53

Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller.

This following is part of a new series we’re running. It’s …

What it would take for FIs to embrace DeFi

November 3rd, 2021

16:23

What it would take for FIs to embrace DeFi by Tearsheet

How Fiserv's partnership is helping Save scale cards that combine savings with investing

October 25th, 2021

21:05

The following was produced by Tearsheet Studios. We worked with Fiserv, a financial services technology company, to create a four part podcast series …

How communications APIs are transforming the banking customer experience

October 23rd, 2021

10:55

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I’m excited to share with you some news about our upcoming online conference, The Big Bank Theory. This year, we’ve combined two of our tent …

'We see more and more nonprofits adopt the fintech model': Prudential Financial's Sarah Keh

October 14th, 2021

22:12

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

During the pandemic, many for-profit companies and startups started …

Embedding communications into financial services with Twilio's Bijon Mehta

September 21st, 2021

26:25

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Twilio sits behind the scenes of today’s slick onboarding and login experiences. The tech firm gives its customers the ability to embed …

How banks can sustain competitive edge in the era of fintechs with Publicis Sapient's Nigel Vaz

September 10th, 2021

27:43

Nigel Vaz, CEO of Publicis Sapient, is our guest today on the Tearsheet Podcast. As the head of a multinational organization working with top …

‘Data aggregation is used in ways we wouldn't have thought about 5 years ago’: Fiserv’s Kevin Hughes

September 9th, 2021

15:20

The following was produced by Tearsheet Studios. We worked with Fiserv, a financial services technology company, to create a four part podcast series …

Behind the launch of the Dayforce Wallet: Ceridian's Seth Ross

September 7th, 2021

21:36

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

On the podcast and on our site, we’ve explored the world of employment data that’s opening up -- it’s opening up to allow new forms of lending …

‘It's like marrying the best of the bank and fintech worlds together’: Q2’s Paul Walker

September 1st, 2021

15:06

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on the …

'We bring the lottery's instant gratification to incentivize people to save': Adam Moelis, Yotta

September 1st, 2021

22:48

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

As humans, we’re just not wired to save money well. And over the years, creative financial institutions have figured out ways to incentivize …

'We were processing like 65% to 75% of all PPP loan applications nationally': Ocrolus' Sam Bobley

August 30th, 2021

20:44

One of the major challenges in scaling digital finance solutions is handling old school paper. Even with all the automation and digitization, …

'Life insurance can be a vehicle to inspire people to live their best lives': YuLife's Sammy Rubin

August 25th, 2021

21:53

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Listening to Sammy Rubin and it’s hard not to feel his infectious excitement about his firm YuLife. He’s taking the humdrum of life insurance …

'I can't tell you how many millennials pay their bills at the biller's site': Payveris' Marcell King

August 23rd, 2021

22:35

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

As banks and credit unions look to modernize to digital payments, they’re turning to firms like Payveris to handle things like bill pay and …

How BlueVine's partnership with NEXT Insurance ties insurance to SMB banking

August 18th, 2021

27:16

The following was produced by Tearsheet Studios. We worked with small business lender BlueVine to produce a four part series on creating financial …

'With a fund, CUNA Mutual Group gets a seat at the table': CMFG Ventures' Brian Kaas

August 12th, 2021

24:10

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

It may be surprising to hear that 124 million Americans are credit union members. Serving that constituency isn’t always easy. That’s because …

'Crypto will be the future of banking': Abra's Bill Barhydt

August 10th, 2021

20:02

When you talk to Bill Barhydt about his days at Netscape, you can’t help but feel that he’s reliving that excitement today -- with cryptocurrencies. He’s the founder and CEO at Abra, a crypto wealth management platform …

'The PaaS boulder is rolling down the hill': Volante Technologies' John Farrell

August 10th, 2021

23:16

The following was produced by Tearsheet Studios. We worked with payment as a service provider Volante Technologies to produce a two part series on …

'We take a portfolio approach, like a venture capitalist': Amex Digital Labs' Matt Sueoka

August 9th, 2021

21:59

Today’s guest on the podcast is Matt Sueoka, head of global strategy, partnerships and enablement for Amex Digital Labs.

We discuss what it takes to scale new form factors in digital payments. Matt shares how Amex …

‘We spend more energy digging gold out of the ground than mining crypto’: Paxos’ Charles Cascarilla

August 5th, 2021

23:41

The following was produced by Tearsheet Studios. We worked with crypto brokerage Paxos to create a podcast series about the mainstreaming of crypto, …

'We're solving an identity problem': Fast's Allison Barr Allen

August 4th, 2021

18:53

Retail is enjoying a fintech Renaissance of sorts -- from BNPL and other new forms of payments to a maturation of the ecommerce checkout experience.

Fast is building one-click checkout on merchant sites across the …

‘You can't stand on the sidelines and watch that happen forever’: Volante Technologies’ John Farrell

August 3rd, 2021

26:15

The following was produced by Tearsheet Studios. We worked with payment as a service provider Volante Technologies to produce a two part series on …

Mission Lane's approach to helping people access credit with Shane Holdaway

July 29th, 2021

23:55

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

With all the fintech and focus on the unbanked and underbanked, there are still tens of millions of Americans who lack access to mainstream …

‘How blockchain can replatform the financial system’: Paxos’ Charles Cascarilla

July 27th, 2021

24:07

The following was produced by Tearsheet Studios. We worked with crypto brokerage Paxos to create a podcast series about the mainstreaming of crypto, …

'It's all about a customer's point of need': Plaid and Accenture on the future of embedded finance

July 23rd, 2021

33:17

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

47 percent of professionals in the US are considering investing in and launching embedded finance offerings. That’s according to a new report …

‘Technology-forward FIs realize that fintechs are not competition’: Q2’s Jonathan Price

July 18th, 2021

21:58

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on the …

‘They were afraid to be first, now they're afraid to be left behind’: Paxos’ Charles Cascarilla

July 14th, 2021

24:27

The following was produced by Tearsheet Studios. We worked with crypto brokerage Paxos to create a podcast series about the mainstreaming of crypto, …

'My mandate is to find great partners that can reach millions of consumers': Green Dot's Amit Parikh

July 14th, 2021

25:20

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Today’s guest on the program is Amit Parikh, executive vice president of …

‘A real underdog mentality permeates this place’: Chase’s chief product officer, Allison Beer

July 12th, 2021

20:55

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller.

One of the things I find so interesting about JPMorgan Chase is its ethos of being an underdog in spite of having 56 million digitally active …

‘Solving corporate payments is about context, not about who pays’: Mesh Payments’ Oded Zehavi

July 8th, 2021

22:02

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller.

As an early PayPal employee, Oded Zehavi jumpstarted the firm’s Middle East and Africa business. From there, he joined Payoneer to help with a …

‘Financial services haven’t caught up with the ways people make money’: Argyle’s Billy Marsden

June 30th, 2021

21:08

The following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising …

'Sitting in the back of an Uber, we understood drivers have a pain point': Payfare's Marco Margiotta

June 28th, 2021

19:26

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller.

An important theme we’ve covered has been the rising availability of …

‘How do financial services need to adapt to the individual?’: Argyle’s Hannah Arnold

June 24th, 2021

21:46

The following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising …

'Our four prong product strategy is a decade long vision': OppFi's Jared Kaplan

June 22nd, 2021

25:30

Welcome to the Tearsheet Podcast. I'm Tearsheet Editor in Chief, Zack Miller.

OppFi is a fintech platform offering financial products to most …

Tribevest makes it easy, fast and social to form a business and invest with friends and family

June 16th, 2021

20:42

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller.

When you look at investment behavior, people are more likely to invest …

'We are the railway network that moves data from one site to the next': Argyle's Audrius Zujus

June 15th, 2021

15:45

T>he following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising …

'What does it look like when we're not reliant on credit scores anymore?': Argyle's Shmulik Fishman

June 10th, 2021

23:42

I’m Zack Miller, editor in chief of Tearsheet. The following was produced by Tearsheet Studios. We worked with employment data platform Argyle to …

Better Financial is building a challenger bank to help customers with financial shocks

June 9th, 2021

22:41

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller.

This article was sent out to subscribers to EarlyStage, Tearsheet’s newest newsletter. With EarlyStage, we go deeper on some younger companies …

'Founders use expensive capital to do something repeatable': Behind ClearCo's funding model

May 24th, 2021

24:43

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Revenue based financing is quickly becoming a popular route for …

'It's not just about sharing --it's about what consumers can do now': U.S. Bank and Plaid share data

May 20th, 2021

21:15

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

The journey from screen scraping consumer financial data to API, permissioned access continues. U.S. Bank recently announced a partnership …

'Let's evaluate what a company spends and we'll help it spend less': Ramp's Eric Glyman

May 17th, 2021

24:54

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Corporate credit card firm Ramp is hot off a big fundraising making it …

"it is so expensive to get 10 first customers': JAM Fintop's new fund has 66 community bank LPs

May 10th, 2021

27:56

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller.

Money continues to pour into the space. From IPOs to large venture rounds to SPACs, there’s a lot of liquidity sloshing around. And yet, there …

'No one ever said, I can't wait to go banking today': Bank of America's Hari Gopalkrishnan

May 7th, 2021

24:32

Hari Gopalkrishnan is the Client Facing Platforms Technology executive for Bank of America Merrill. He’s responsible for leading the development of …

How small businesses survived and thrived during the pandemic with BlueVine's Eyal Lifshitz

May 5th, 2021

25:01

The following was produced by Tearsheet Studios in partnership with small business lender BlueVine. It's Small Business Week, and BlueVine really …

Wave's Kirk Simpson on what it takes for SaaS firms to offer banking products

May 4th, 2021

20:34

The following was produced by Tearsheet Studios. We worked with Wave, a financial software company for entrepreneurs and small businesses, to create …

Jack Henry's Tede Forman on the connection between the gig economy and real time payments

April 29th, 2021

28:11

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Smaller community banks and credit unions have an opportunity to differentiate and compete in payments. Unfortunately, many smaller FIs …

Q2's Ahon Sarkar on how banking as a service changes the economics of serving the underbanked

April 25th, 2021

30:14

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on how …

'Small business powers our communities': How Wave empowers entrepreneurs to start up new businesses

April 23rd, 2021

20:12

I’m Zack Miller, editor in chief of Tearsheet. The following was produced by Tearsheet Studios. We worked with Wave, a financial software company for …

Wave's Kirk Simpson on the founding and exiting of Wave, a fintech startup

April 18th, 2021

23:59

The following was produced by Tearsheet Studios. We worked with Wave, a financial software company for entrepreneurs and small businesses, to create …

'We connect banks, businesses and partners in a collaborative ecosystem': Bottomline's Norm DeLuca

April 14th, 2021

25:55

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

As banks increasingly work with modern technology providers, …

Behind the creation of the Q2 Marketplace with Greg Varnell

April 8th, 2021

18:48

I’m Zack Miller, editor in chief of Tearsheet. The following was produced by Tearsheet Studios. We worked with fintech software provider Autobooks to …

'It's a no brainer to add a virtual card into the travel product': TripActions' Michael Sindicich

April 7th, 2021

20:24

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

Embedded finance is a recurring theme in our coverage on Tearsheet on here, on the podcast. With APIs and banking as a service platforms, …

'You're best having a cannabis banking program, not a project': The ins and outs of banking cannabis

April 5th, 2021

24:59

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

Even as more states legalize marijuana, banking cannabis customers is still a major undertaking. Regent Bank is a small bank with 5 branches in Oklahoma and Springfield, …

How nbkc gets more out of the fintech partner selection process

April 2nd, 2021

20:23

The following was produced by Tearsheet Studios. We worked with fintech software providerAutobooks to create a four part podcast series on the …

With Direct Payouts, Visa can push payments to cards and accounts cross border

March 30th, 2021

14:43

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Push payments are the reverse of how we think credit cards work. Instead …

Behind the Marqeta partnership with Deserve's Kalpesh Kapadia

March 25th, 2021

22:25

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

It’s been a while since we caught up with Deserve, the credit card as a service pureplay. Over the past year, the company has grown and last month, signed a partnership …

Behind Temenos' new push in the US with Jacqueline White, president of the Americas

March 23rd, 2021

25:41

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Banking software firm Temenos continues to invest and commit to the US market. The firm recently hired Jaqueline White to lead the charge in …

'Embedded fintech is about banking integrating SaaS': Autobooks' Derik Sutton

March 22nd, 2021

19:55

The following was produced by Tearsheet Studios. We worked with fintech software provider Autobooks to create a four part podcast series on the …

Inside Mint's renewed push into personal finance with Intuit's Varun Krishna

March 19th, 2021

18:28

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

As a pioneer in personal financial management, Mint was a star. But after getting acquired by Intuit, Mint kind of dropped out of the public …

'Dreaming up Greenlight, investing was always part of it': Behind the launch of Greenlight Max

March 17th, 2021

21:20

New entrants continue to launch into teen banking. Greenlight is an early entrant into the space, focusing on the financial interactions parents have with their kids. Greenlight has now extended its offering into …

'SMBs are stuck in a banking problem that they need help solving': Autobooks' Steve Robert

March 16th, 2021

19:56

The following was produced by Tearsheet Studios. We worked with fintech software provider Autobooks to create a four part podcast series on the …

Behind the scenes of the Truist Cares campaign with Agency of the Year, StrawberryFrog

March 4th, 2021

27:59

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

The best marketing and advertisements stay with you. They speak to the zeitgeist in the world at a specific time with the right words, the …

Outlier Briefing: Frontify's MJ Mueller on creating the most valuable financial brands

March 2nd, 2021

7:42

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only content is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice.

'Making the browser and a superior wallet work better, together': Opera's Krystian Kolondra

February 24th, 2021

16:31

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

A few years back, there was a race to embed payments into the browser. It makes sense, too. Most people who access the web through their …

Behind Marqeta's launch into credit card issuance with Kevin Doerr

February 22nd, 2021

15:57

Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief.

A lot is going on the issuing side. New players are entering, competition is crossing borders, and existing players are expanding into new …

Case Study: Inside Bank of Georgia's digital transformation

February 17th, 2021

10:54

In 2015, Bank of Georgia launched a mobile bank. Ever since, it’s been ramping up its digital transformation program. By all accounts, the bank is on to something -- it’s converting customers over to digital channels. …

'Tech is global but local payments determine who's a winner or loser': PPRO's Simon Black

February 14th, 2021

19:20

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Simon Black, PPRO’s CEO, is my guest today on the show. The company is off a big fundraising which comes after a 2020, where the local payment …

'Workflow's calling is to rejoin the fragmented parts of an FI': ServiceNow's Lauren Robbins

February 11th, 2021

23:43

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

This past year acted as an external shock to financial customers and employees of FIs. As branches shut and employees turned to working from …

'We knew banking apps are the least deleted on people's phones': Sensibill's Corey Gross

February 11th, 2021

21:56

The world of personal financial management is undergoing a change. Stand alone applications are incorporating more banking functionality, getting into money movement and not just advice to have a bigger impact. Banks …

Behind the launch of Craft Bank, the first de novo in Atlanta in over a decade

February 7th, 2021

19:08

Craft Bank is the first de novo inside the Atlanta perimeter in over a decade. The bank offers a fully digital experience including faster payments …

Behind Klarna's massive growth in the US with David Sykes

February 3rd, 2021

23:48

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Klarna is such an interesting company as part of our coverage universe. As one of the major buy now, pay later competitors, the firm is …

'It's been an opportunity to pivot to our work from home, yoga pants world': Slack's Ali Rayl

February 1st, 2021

19:29

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

It’s not just banking products that bear the fruit of new technology. …

'It's very hard to find a company that does everything under one roof': Checkout.com's Bradley Riss

January 28th, 2021

18:21

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

On the heels of a $450 million investment round at a $15 billion valuation, Checkout.com (http://checkout.com/) became Europe’s most valuable …

Behind the launch of Citizens Pay with Eric Schuppenhauer

January 27th, 2021

22:51

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller.

With the excitement around buy now, pay later, Citizens stands out among a small number of banks with an offering in the space. The firm has …

Quantum computing in financial services with Goldman Sachs' Will Zeng and IBM's Stefan Woerner

January 21st, 2021

23:31

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

It isn’t often that I’m totally out of my league on this show. Our two guests today are scientists focused on quantum computing. IBM's Stefan …

'Stickiness to old products necessitates new asset management firms': Arca's Rayne Steinberg

January 19th, 2021

23:32

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

It’s hard to differentiate between the hype around digital assets and what’s fundamentally changing. Our guest on the podcast today has a foot …

'Early investors didn't get going global': Rapyd's CEO Arik Shtilman on growing 4x in 2020

January 13th, 2021

14:20

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller.

Rapyd is a embedded finance platform that has gone global from day 1. The company is expanding rapidly. Joining me on the podcast is …

Agora's Arcady Lapiro on launching a new banking as a service platform

January 11th, 2021

27:09

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

With all the talk about challenger banks and mega banks, tier 2 financial institutions like community banks and credit unions frequently get …

'There are 400M people in Africa that don't have formal credit files': Pngme's Brendan Playford

January 3rd, 2021

20:05

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

2020 was an interesting year for African financial services. We saw Stripe buy Nigeria’s Paystack, its largest acquisition anywhere, and other …

The ins and outs of payment operations with Modern Treasury's Dimitri Dadiomov

December 28th, 2020

19:34

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

As a fintech entrepreneur, I co-founded OurCrowd, one of the largest equity crowdfunding platforms in the world. Our back office was always …

'With a $4 billion budget, we can do quite a bit around legacy technology': Chase's CIO, Rohan Amin

December 22nd, 2020

20:31

Welcome to the Tearsheet Podcast. I’m Tearsheet editor-in-chief, Zack Miller.

So much time and money is spent on maintaining technology within …

'Freelancers need a business and personal account under one roof': Oxygen's Hussein Ahmed

December 21st, 2020

24:36

As more challenger banks launch, we’re seeing the emergence of more and more niche offerings, serving a subset of users with distinct needs.

Oxygen Bank, a challenger based in San Francisco, recognized that freelancers …

'We see a lot of whitespace in credit cards for near prime customers': Avant's James Paris

December 20th, 2020

19:02

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

At nearly eight years old, Avant is one of the pioneers in online …

Inside Interactive Brokers' embrace of ESG-friendly investing

December 17th, 2020

19:09

Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief.

On today’s podcast, I’m joined by Will Peterffy and Eddy Soffer of Interactive Brokers.

Will, son of Interactive Brokers’ founder, is a new …

Santander's Patrick Smith on the state of SMB banking in the U.S.

December 16th, 2020

21:30

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Small businesses have a lot to contend with. In addition to the everyday battle around cash flow, many SMBs had to quickly change their …

Finastra's Paul Thomalla on the competitiveness of small banks in payments

December 15th, 2020

23:59

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Banks are hearing from their customers that they want better experiences — better experiences in banking, borrowing and in payments.

Joining me …

'A network problem needs a network answer': Akoya's Stuart Rubinstein

December 13th, 2020

21:07

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

My guest today is Stuart Rubinstein, CEO of Akoya. A spin out of Fidelity, Akoya is a financial data aggregator that lets the customers of …

Clickatell's Pieter de Villiers on the future of chat banking

December 11th, 2020

20:02

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

As chat platforms have eclipsed the size of the largest social networks, businesses are increasingly using them to service their customers. …

The rising importance of payroll data with Plaid's Ben White

December 7th, 2020

18:09

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

The first era of next generation financial companies focused on the bank account as the store of information and value for consumers’ and …

Conductor sees big opportunity in Latin America for payments and banking as a service

December 3rd, 2020

21:05

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Embedded finance is powering the launch of all kinds of new companies and products around the world. Brazil-based Conductor is a digital …

'How to build a credit card product like a Lego rocketship': Railsbank's Dov Marmor

November 30th, 2020

18:16

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Embedded Finance is becoming more competitive. New platforms are launching and existing platforms are expanding into new products and …

'Combining our customer-first focus and local brand': Seattle Bank's partnership with Google

November 25th, 2020

19:10

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

We’ve been talking for a long time about big tech’s move into finance. We’ve seen Apple’s launch of a credit card, Amazon and Shopify’s …

Building the Marcus brand: Goldman’s 2021 vision for its consumer banking product

November 23rd, 2020

16:13

The acceleration of digital banking that took hold during the pandemic allowed for continued adoption of Goldman Sachs’s consumer banking product …

'More and more, we think about being a B2B2C player': Experian's Gregory Wright

November 18th, 2020

27:00

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Today’s guest on the podcast is Experian’s Chief Product Officer, …

Case Study: HSBC'S transformation as a bank for small business

November 12th, 2020

6:30

The past few years have shown that business banking customers no longer have to wait days or weeks to apply and receive loans to open bank accounts and transact. Many new options are being offered by fintech firms that …

Step's CJ MacDonald on building a bank for teens

November 8th, 2020

24:02

Welcome to the Tearsheet Podcast. I’m editor in chief, Zack Miller.

There’s a flurry of activity around creating bank accounts for young people. Getting the balance between autonomy and parental oversight is critical for …

'The migration to platforms is the gateway to growth for banks': Publicis Sapient's David Donovan

November 2nd, 2020

23:06

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Today’s guest is David Donovan, executive vice president at Publicis Sapient. He leads the firm’s North American financial services practice. …

'There were other great services, but banking was kind of static': Mercury's Immad Akhund

November 2nd, 2020

24:52

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller.

As a founder of a tech startup, Immad Akhund found that the banks his firm used were all lost in the sea of mediocrity and sameness. He was …

'Nobody needs to go into a server room to reboot a server anymore': Temenos' Alexa Guenoun

October 28th, 2020

27:10

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

There’s been a lot of talk about Varo, the first US challenger bank to …

'Challengers are only interested in direct deposit now': ClickSwitch's Cale Johnston

October 26th, 2020

21:24

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

As challenger banks battle over getting new customers, the discussion has moved over the big headline numbers to the quality of those new …

'In our model, everyone wins': Plastiq users can use cards at businesses that don't accept them

October 26th, 2020

25:30

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Eliot Buchanan dreamed up the idea of Plastiq seven years ago as an undergrad. A Canadian in the U.S., he got frustrated by how hard it was to …

Inside the Techstars and Western Union Accelerator

October 22nd, 2020

24:46

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.
When Western Union formally began building out its connection to the fintech community, it partnered with Techstars, a well-respected …

'Adding Betterment, we're targeting 200M Powered By customers by end of 2021': Dosh's Ryan Wuerch

October 20th, 2020

20:02

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

As challenger banks expand their capabilities, many with debit and credit cards are adding in rewards as a way to service their customers. …

Diebold Nixdorf's Simon Powley on the integration of physical currency and digital tools

October 19th, 2020

24:15

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

As we’ve discussed many times on the podcast, the pandemic has accelerated a lot of digital trends that were already underway before COVID-19 …

'Voice reduces the steps to do the things you want to do': Clinc's Jon Newhard

October 16th, 2020

26:06

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

Eighteen months ago, there was a lot of talk around voice and the possibilities of using human speech as a new automated channel in …

PPRO's Steve Villegas on how COVID is impacting local payment behavior

October 12th, 2020

20:31

Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief.

Today’s guest is Steve Villegas, vp of payment partnerships in North America for PPRO. He works with acquirers and payment service providers …

'Design a good CX for subscriptions and the revenue will pour in': Ingenico's Andrew Monroe

October 11th, 2020

19:28

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

Many people know Ingenico as a manufacturer of payment terminals. Over years, the company has acquired firms in the digital payment processing …

'Banking enables us to play a bigger role in our customers' lives': Stash CEO Brandon Krieg

October 8th, 2020

22:00

Welcome to the Tearsheet Podcast. I’m editor in chief, Zack Miller.

Challenger bank Stash is rooted in helping most Americans invest and build wealth, $5 at a time. The company has grown a lot this year. Co-founder and …

BlueVine's new CMO Patrick Adams on the potential of getting SMB banking right

October 7th, 2020

21:12

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

BlueVine’s roots are in digital lending to small businesses. Beginning with a factoring product, …

Outlier Briefing: Best practices in digital onboarding with Ted Brown

September 30th, 2020

4:32

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only event is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice.

Inside the FIS fintech accelerator

September 21st, 2020

27:33

FIS accelerator/Stratyfy

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

We’ve spoken to a lot of innovation program execs on this podcast. From corporate venture investing to accelerator programs, …

Payoneer's Charles Rosenblatt: 'We found a way to play on both sides of the market'

September 13th, 2020

23:34

Welcome to the Tearsheet Podcast. I’m Zack Miller, editor at Tearsheet.

There’s still significant friction dealing with international transactions. Payoneer is a pioneer in the space of helping people and businesses …

Inside Shopify’s financial services strategy

September 11th, 2020

20:27

The convergence of retail and financial services is being led by large platforms that help merchants seamlessly reach customers online and offline. Indeed, embedding financial services within commerce platforms helps …

Outlier Briefing: Infosys' Jay Nair on preparing for the day after the pandemic

September 8th, 2020

5:18

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only event is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice.

Zest AI's Mike de Vere: 'You don't have to give up economics to be more fair'

September 8th, 2020

22:33

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

When the pandemic hit, lending models didn’t catch up quickly enough. Machine learning, like the kind Zest AI has developed, moved quicker, helping lenders to figure out …

BMO Harris' Niamh Kristufek on empowering women in fintech

September 1st, 2020

31:10

Welcome to the Tearsheet Podcast. I’m Zack Miller, editor in chief at Tearsheet.

Niamh Kristufek is the head of US business banking at BMO Harris Bank. Her team services about 2 million small businesses with products, …

PayEm provides credit cards and software for companies to better manage their corporate spend

August 26th, 2020

23:50

For a space as big as commercial cards, there are still so many opportunities to make a difference for startups. This is Tearsheet’s Early Stage podcast and I’m Zack Miller, editor in chief of Tearsheet. Here’s where we …

'Everything is changing': Edward Jones' CIO Frank LaQuinta on the modernization of brokerage

August 19th, 2020

21:56

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

Online trading platform Robinhood just raised more money at a valuation over $11 billion. Traditional brokerage firms are keenly aware of what’s going on and they’re …

The Challengers 15: Varo gets a charter, Monzo's on the edge, and Intuit enters banking

August 16th, 2020

20:48

In this episode of The Challengers, Josh Liggett and Zack Miller explore what Varo Money getting a national charter might mean for the firm and for the challenger banking industry. We compare Monzo, which recently …

Neocova's Raymond Chandonnet: 'It's an amazing time to be thinking about tech and community banks'

August 11th, 2020

23:11

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

We don’t talk enough about community banks on the podcast. Coming in to the COVID crisis, community …

Citizens Bank's Beth Johnson: 'Personal interaction remains important to customers'

August 10th, 2020

18:53

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

Consumer behavior was already changing before COVID hit. When you ask financial services executives, may will tell you that COVID is acting to accelerate those trends.

WePay's Jennifer Parker: 'We're seeing inspiring early pivots with software firms and marketplaces'

August 6th, 2020

24:21

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

WePay provides payment solutions for platforms like marketplaces and software firms. The …

Afterpay's Laura Nadler on expansion plans in the U.S.

August 4th, 2020

19:35

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

Afterpay is one of the fastest growing buy now, pay later firms in the world. Based out of Australia, the fintech has recently expanded into the US and is planning to …

Galileo's Clay Wilkes on launching Galileo Instant

August 2nd, 2020

20:35

A few weeks back, payments API firm, Galileo launched Instant, which dramatically simplifies and accelerates launching a debit card — taking what can …

Earnest's David Green on student lending in the current economic environment

July 31st, 2020

21:04

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

Student lending is undergoing a significant transformation. Earnest

Earnest has refinanced over $10 billion for over 124,000 people, helping them pay off their debt and …

Outlier Briefing: MBLM's Rina Plapler on improving brand intimacy in financial services

July 30th, 2020

4:21

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only content is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice.

Upstart's Paul Gu: 'AI is a mindboggling change in the economics of lending'

July 28th, 2020

21:28

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

Artificial intelligence in finance has long been overhyped, but AI is making an impact in lending decisions. Online lender Upstart exemplifies how the set of …

FIS' Nicole Jass on helping SMBs with new products during this crisis

July 28th, 2020

21:25

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

SMBs have taken it on the chin during this crisis.

Nicole Jass, senior vice president of small …

Broadhaven Ventures’ Michael Sidgmore on global trends in embedded finance

July 20th, 2020

29:10

A global perspective on fintech helps Broadhaven Ventures cross-pollinate customer experience best practices from the U.S., Europe, Latin America and …

Inside Betterment's move into banking with President of Retail, Mike Reust

July 19th, 2020

25:30

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

A lot of monoline financial firms look a lot like banks nowadays. Rebundling, as we like to call it …

Deep Dive: Chatbots and conversational AI struggle to keep up during pandemic

July 16th, 2020

12:46

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

Call volumes into banks have gone up 10x during the pandemic. Wait times have been hours at the …

Pindrop's Vijay Balasubramaniyan on how top bank call centers are navigating the COVID crisis

July 14th, 2020

20:52

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

When COVID hit, call volumes surged. Customers were calling their banks and financial institutions …

Investing in diverse early stage teams with head of Launch with GS Jemma Wolfe

July 12th, 2020

24:25

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

Todays’s guest is Jemma Wolfe. She’s the head of Launch with GS, Goldman Sachs’ $500 million …

Wealthfront's Chris Hutchins on checking accounts and self-driving money

July 9th, 2020

20:27

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

As fintech matures, many of the early pioneers in the space are realizing how important it is to become a user’s primary account. Wealthfront, which began as a …

Jud Linville, ex-CEO of Cards and Consumer Services at Citigroup, takes on fintech

July 7th, 2020

22:34

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

Today’s guest is Jud Linville. Jud has decades of experience in financial services and payments, heading up Citi Cards and American Express’ consumer services. He’s now …

Square’s David Rusenko discusses the effect of COVID-19 on Square’s ecommerce plans

July 6th, 2020

21:17

Welcome to the Tearsheet Podcast. I'm Suman Bhattacharyya.

As merchants face new obstacles amid COVID-19 and shelter-in-place mandates, Square is working to smooth their transition to digital.

Today’s guest is David …

Unconventional Ventures' Theodora Lau: 'We can do better and we have the technology to do it"

July 1st, 2020

21:40

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

Today’s guest is Theodora Lau, the founder of Unconventional Ventures. When you listen to her, Theo challenges the industry to do better. Instead of producing another …

Yieldstreet's Michael Weisz on the pandemic's impact on digital wealth management

June 30th, 2020

20:36

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

A few years back, and the term ‘crowdfunding’ was pretty popular in fintech circles. We do'n't …

Qolo's Patricia Montesi on launching a payments company during the pandemic

June 26th, 2020

18:47

Welcome to the Tearsheet Podcast. I’m Zack Miller

Launching a new firm in the face of this global crisis takes fortitude. Timing couldn’t be worse. Or …

Fattmerchant wants to turn software firms into payments companies

June 24th, 2020

20:02

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

There are so many fees in the credit card processing market. Fattmerchant, which started almost a decade ago, set out to simplify things with the market’s first …

On Deposit Solutions' launch in the U.S. with CEO Philipp von Girsewald

June 21st, 2020

24:08

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

Deposit Solutions has an open banking solution that connects customers and banks. Working in 20 …

Current's Stuart Sopp on building a bank with customers' best interests in mind

June 21st, 2020

24:30

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

When you talk to the founders of many of the leading challenger banks, you sense that they each …

As its new bank offering scales, Credit Sesame acquires Canadian challenger bank Stack

June 16th, 2020

18:03

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

In March, Credit Sesame debuted its banking offering, Sesame Cash. Since then, more than 200,000 customers have signed up, with thousands of new accounts per day, …

Outlier Briefing: How the Remittance Rule impacts pricing with TransferWise's Nick Catino

June 15th, 2020

3:53

Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. …

How Sunrise Banks and Anvil onboarded $134M in PPP loans for 1600 SMBs in 5 days

June 14th, 2020

20:28

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

The PPP government aid program in the US continues to put a strain on the banking sector. We’re hearing an increasing number of stories of how traditional institutions …

After being acquired by SoFi, Galileo's Clay Wilkes looks out to a busy future

June 14th, 2020

23:34

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

One of the most exciting stories of this generation of fintech firms is Galileo. Recently acquired by SoFi for $1.2 billion, Galileo now provides the payments and …

On navigating digital banking though the crisis with Finacle's Rajashekara Visweswara Maiya

June 11th, 2020

28:07

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

Banking systems were put to the test, surviving the impact of the current pandemic. In many cases, this crisis accelerated digital transformation programs. There is …

Deep Dive: Small businesses increasingly turn to small banks and fintech

June 9th, 2020

12:21

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

Small business demand fo government relief is at record levels. Bigger banks, for the most part, have forsaken SMBs. Smaller banks and fintechs have emerged to service …

A chat about challenger banking in the US with Revolut's US CEO Ronald Oliveira

May 28th, 2020

30:35

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

Today’s guest is Ronald Oliveira, the U.S. CEO of challenger bank Revolut. Ron has a lot of …

How Finlocker and Fiserv enhance data, lower costs, and increase throughput for mortgage originators

May 27th, 2020

24:06

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

We’ve got an interesting episode teed up for you today. It’s a case study with Finlocker and Fiserv. Finlocker is a super app that integrates with banks and other …

Plaid's Niko Karvounis: 'Connectivity is a foundational element of digital finance'

May 26th, 2020

19:07

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

Data aggregation and connectivity firm Plaid recently announced Exchange, its open finance platform that allows banks and other financial institutions to share their …

Mastercard's James Anderson on simplifying B2B payments, launching Track Business Payment Service

May 21st, 2020

21:27

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

Commercial payments are a huge opportunity. They’re antiquated — checks are still very popular in …

N26's Nicolas Kopp on getting to 250,000 users in 5 months in the U.S.

May 20th, 2020

21:10

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

N26 was the first foreign challenger bank to launch in the U.S. When you speak with CEO Nic Kopp, you know it was no simple feat. Now, five months in the market, Kopp …

The Challengers 14: N26 raises war chest, the rise of digital private banks, & future of Green Dot

May 14th, 2020

20:37

On this episode of The Challengers Podcast, Zack Miller and Josh Liggett talk about the extension financing round some of the larger challenger banks …

Tearsheet's DataDay Conference Preview: Hossein Rahnama, Flybits

May 14th, 2020

3:16

Flybits' Hossein Rahnama is one of our speakers at DataDay, the first-of-its-kind conference on financial data. Consumer data, data ecosystems, and data aggregation is changing the face of modern financial services. …

Outlier Briefing: The emerging use cases for AI in financial services with Emerj's Dan Faggella

May 11th, 2020

8:08

Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. …

Envestnet I Yodlee's Brandon Rembe on the move to hyper-personalization

May 5th, 2020

19:41

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

Consumers increasingly expect higher levels of personalization from their financial services providers. Whether it’s from a challenger bank or Bank of America, people …

Rapyd's Eric Rosenthal on taking fintech-as-a-service global

April 30th, 2020

29:54

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

If you’re a retailer or a new challenger bank, it just doesn’t make sense anymore to build out payments infrastructure when you have firms like Rapyd out there.

Eric …

OakNorth's CIO Sean Hunter on how banks can excel in disbursing government assistance

April 28th, 2020

19:51

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

The current COVID-19 crisis presents a massive challenge to the financial industry. And like every crisis, it also presents an amazing opportunity to service customers …

Outlier Briefing: The march towards digitization with Publicis.Sapient's David Donovan

April 23rd, 2020

3:46

Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. …

Symphony's David Gurlé on enterprise communication and collaboration in financial services

April 22nd, 2020

22:25

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

From Skype to Thomson Reuters, David Gurlé has sat on the cutting edge of enterprise communications for two decades, in 2014, David founded Symphony, a communication and …

CEO Brady Harris on the future of Dwolla, ACH, and payments

April 21st, 2020

21:25

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

Dwolla’s new CEO Brady Harris joins me on the podcast. He’s been in the payments industry long …

Advancing women in fintech with Ocrolus' Nicole Newlin

April 19th, 2020

17:43

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

Today’s guest is Nicole Newlin. She’s the vp of solutions at Ocrolus, which provides fintech …

Building a challenger bank with lending at its heart with Upgrade's Renaud Laplanche

April 19th, 2020

20:08

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

When we launched our podcast 10 years ago, one of our first guests was a French entrepreneur living in San Francisco. He had a small but upwardly aspirational startup. …

Outlier Briefing: Financial brand management with Landor's Louis Sciullo

April 17th, 2020

3:46

Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. …

Deep Dive: An exploration into the changing world of push payments

April 15th, 2020

15:59

Sara Toth Stub joins editor Zack Miller on a Deep Dive podcast to discuss a recent article she wrote on push payments. In It's a simple idea with Extraordinary impact: Inside the growing world of push payments, Sara …

Nomis' Prashant Balepur on bringing data science to bank pricing strategies

April 12th, 2020

23:17

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

Before COVID-19 hit, we spent a lot of time talking about the competitive environment for bank deposits. Every week, an incumbent or new challenger bank was making high …

Behind new challenger bank HMBradley's launch with Zach Bruhnke

April 7th, 2020

26:38

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

There’s a sea of sameness out there in digital offerings. Challenger banks seem to provide, more or less, the same services and products. They’re debit cards attached to …

The Challengers 13: Covid 19's impact on digital banking, growth slows at OakNorth, Square as a bank

March 30th, 2020

19:11

In this episode of The Challengers, Josh Liggett and Zack Miller explore the pandemic's impact on incumbent banks as well as on challengers. Zack mentioned fears are high and that's creating rumors that certain …

Tearsheet's Bank Fintech Partnership Award: JP Morgan and FISPAN

March 25th, 2020

23:01

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

Today we have another special episode — we’re still talking about bank - fintech partnerships by …

Tearsheet's Bank Fintech Partnership Award: Midwest BankCentre and MANTL

March 23rd, 2020

25:27

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

Today we have the two winners of Tearsheet’s Bank/Fintech Partnership Award for Digital Transformation, Midwest BankCentre and Mantl. We’re joined by MBC’s President and …

Adyen's Roelant Prins: 'Modern technology can personalize issuing services for merchants'

March 20th, 2020

20:17

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

Card issuance is enjoying a lot of fintech light shone on it as technology and use cases catch up …

Tearsheet's Bank Fintech Partnership Award: Sutton Bank and Marqeta

March 19th, 2020

20:43

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

We’re continuing to celebrate the winners of 2020’s Bank / Fintech Partnership Awards. Up today are our overall winners — two firms that changed significantly directly …

Greenlight's Tim Sheehan: 'It's been explosive growth over the past 5 years'

March 17th, 2020

18:11

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

As new challenger banks and financial products emerge, one trend we’re seeing is the targeting of …

Engage People's Len Covello on Priceline's pay with points program

March 15th, 2020

20:46

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

Today’s guest on the show is Len Covello, co-founder and CTO of Engage People. which is a loyalty …

Tearsheet's Bank Fintech Partnership Award: Mastercard and Signzy

March 11th, 2020

15:22

Welcome to a special edition of the Tearsheet Podcast. I’m Zack Miller.

Today we’re awarding a winner of our Bank/Fintech Partnership Award for 2020. Mastercard and Signzy are receiving the Customer Journey Award for the …

Iris Nova's Zak Normandin on scaling consumer brands using payments over text

March 5th, 2020

21:00

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

The industry talks a lot about omnichannel payment experiences. Everyone wants to service the customer wherever he or she is. But what if that experience doesn’t look …

On BBVA's banking as a service platform with Susan French

February 27th, 2020

23:57

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

As a major global bank, BBVA stands out in its early embrace of the banking as a service model. The BBVA Open platform provides verification, money movement, account …

Behind the LendingClub acquisition of Radius Bank with Steve Allocca and Mike Butler

February 25th, 2020

22:37

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

Last week, LendingClub announced that it would be acquiring Radius Bank. It was exciting news as a …

Splitit's Brad Paterson: 'The state of the industry reminds me of the early days of PayPal'

February 19th, 2020

18:06

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

Splitit is a global payment technology that enables no-fee installments on credit card purchases. …

Amex's Stewart Kendall: '81% of our cardmembers are engaged with us digitally'

February 18th, 2020

14:53

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

American Express has seen its customers really move to mobile — 81 percent of its cardmembers are now digitally active. Millennials and Gen Z are really leading this …

Even's Phill Rosen: 'CAC is going up as the space becomes more competitive'

February 12th, 2020

22:32

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

Customer acquisition costs continue to rise. And as companies converge on banking and lending, everyone is after deposits and growing their loan books, further pushing …

Deep Dive: How top fintech and banking apps improve engagement with consumers

January 30th, 2020

12:03

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

So much time and energy is spent acquiring new banking/payments/investing customers. But while financial apps have industry-high usage numbers in terms of how much time …

Gemini's Jeanine Hightower-Sellitto on expanding institutional ownership of crypto

January 27th, 2020

18:32

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

While retail interest in digital assets peaked in 2018, crashed and is rebounding now, institutional interest has been steadily growing. Jeanine Hightower-Sellitto is …

Stackin's Scott Grimes on delivering personal finance guidance solely through text

January 24th, 2020

22:59

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

There are a lot of personal finance apps out there. And yet, many people still feel shut out from being able to have a conversation about their finances. Maybe the apps …

Extend's Andrew Jamison on working with banks to distribute virtual cards

January 17th, 2020

25:58

Fintechs basically have a major decision to make early on. Do you compete head on with incumbents and try to displace them? Or, do you go the b2b route and empower the bigger players with tech?

Andrew Jamison, …

The Challengers 12: Visa buys Plaid, Starling wants breakeven, Monzo co-founder joins alpaca farm

January 15th, 2020

28:47

In this episode of The Challengers, Josh Liggett and Zack Miller discuss Visa's $5.3 billion acquisition of Plaid. Admittedly, data aggregation isn't that sexy but Zack thinks it is the underpinning of modern financial …

Best Innovation Program Award 2020: Mastercard's Start Path

January 8th, 2020

27:32

In this episode, we're announcing the winner of Tearsheet's first annual Best Innovation Program Award. We ranked innovation programs on four …

Deep Dive: Fintechs get more aggressive and creative around debit card rewards programs

January 6th, 2020

13:05

For many fintechs, debit cards act as their monetization engine. As users spend, they pocket part of the interchange fee. To encourage users to swipe more, we’re seeing a resurgence of rewards programs around debit card …

Rho's Everett Cook on building a better bank for startups

January 5th, 2020

22:36

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

Between startup challenger banks and digital arms of incumbent banks small businesses still …

Visa's Bill Sheley: 'Everyday millions of consumers, business get asked how they want to get paid'

December 30th, 2019

14:51

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

One of the major trends we’ve seen over the past couple of years is the credit cards firms moving into push payments. Being able to push money out to a debit card …

The Challengers 11: 2019 in review

December 26th, 2019

28:23

Welcome to The Challengers podcast episode number 11.

Your hosts Tearsheet's Zack Miller and OurCrowd's Josh Liggett look at the past year for challenger banks and digital banking in general.

Zack and Josh discuss, in …

DriveWealth's John Shammas: 'We're accessing the uninvested population around the world'

December 20th, 2019

22:04

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

The rebundling continues. Many popular fintechs began their lifecycles doing one thing very well …

The need for male allies in financial services with US Bank's Doug Nielson and MX's Jane Barratt

December 12th, 2019

19:17

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

Today's episode is kind of a special one. We have Doug Nielson SVP innovation R&D at US Bank and Jane Barratt Chief Advocacy Officer at MX joining us from …

Brex's Henrique Dubugras on payments trends in 2020

December 11th, 2019

14:31

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

Brex is one of the fastest growing fintech startups in history — it may be the fastest growing startup in history. The company, founded by two Brazilian Stanford grads, …

Inside First National Bank of Omaha's launch of a digital consumer loan

December 9th, 2019

27:36

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

That’s Marc Butterfield, senior vice president of innovation and disruption at First National Bank of Omaha. I think Marc’s the first person we’ve had on this podcast …

Inside the Experian DataLabs with Eric Haller

November 27th, 2019

29:16

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

We continue to see consolidation across the financial services industry. In fact, a lot of …

Oracle's Aubrey Hawes on Open Banking and ecosystem building

November 14th, 2019

32:04

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

Today's guest is Aubrey Hawes who leads Oracle’s sales consulting team around its banking products, …

Tally's Jason Brown: Financial optimization over 80 yrs isn't something hairless apes evolved to do

November 4th, 2019

16:51

One of the missing pieces for personal finance managers is that many of them require a lot of work. From categorizing spending to acting on any of the analysis, there’s typically a big enough cognitive lift that limits …

Behind Credit Karma's savings account launch with Jagjit Chawla

October 30th, 2019

22:01

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

Credit Karma built a wonderful business providing almost 100 million people with free products to …

Titan's Clayton Gardner: 'We want to democratize elite investment products'

October 27th, 2019

24:18

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

In the wake of investment firms Vanguard’s success, robo-advisers continued to usher in the era of indexed, passive investing. Titan is a contrarian investment platform …

Amex partners with Nova Credit translating international credit scoring for immigrants and expats

October 25th, 2019

10:42

Welcome to the Tearsheet Podcast. I’m Zack Miller.
Whether you’re a new immigrant, an expat moving for work, or a foreign student, getting issued credit when your credit history resides in another country is …

JMP's Devin Ryan on the impact of free trading on financial services

October 21st, 2019

24:31

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

Pricing pressure on commissions isn’t new in the brokerage and equity trading space. But it does feel like it’s accelerating. Just over the past few weeks every major …

Behind the scenes of Central Payments' launch of the Falls Fintech Accelerator with Trent Sorbe

October 17th, 2019

25:47

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

Smaller financial institutions are finding a way to compete in a world of too big to fail banks. The Central Bank of Kansas City is an interesting case study. The bank …

The challenges and opportunities in moving into enterprise with Moven's CEO Marek Forysiak

October 15th, 2019

22:42

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

Moven was founded in 2011 by Brett King. It was really early in the move to standalone digital banks, what we like to call Challenger Banks. Without branches and …

MoneyLion's Dee Choubey on choosing and serving an initial target audience

October 6th, 2019

18:13

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

We’re kicking off a new series here on the podcast called Blocks. In this series, we’re turning to entrepreneurs and professionals who are building the next generation …

Inside Aflac's innovation program with Keith Farley

September 25th, 2019

22:52

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

We’ve interviewed quite of few large incumbent financial firms about their innovation programs. They may be structured differently with different activities, metrics, …

LendingPoint's Tom Burnside: 'There's room to grow -- we're early in our journey'

September 22nd, 2019

19:04

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

On the heels of a closing of a $250 million credit facility, LendingPoint’s Tom Burnside joins us on the show today. The consumer lender has originated $1.4 billion in …

Tandem's Ricky Knox on the role of AI in consumer banking

September 20th, 2019

29:04

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

Ricky Knox is my guest today on the show . A five time entrepreneur and the founder of international money transfer firm Azimo, Ricky continues to compete in fintech. …

Square's Carl Perry on the new Orders API and the direction of the Developers Platform

September 18th, 2019

22:13

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

There’s an interesting convergence going on right now. Ecommerce platforms like Shopify are getting into retail and payments, while payments firms like Square are going …

Escalent's Chris Barnes on the slowdown in the digital financial ecosystem

September 17th, 2019

22:18

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

A new study from Escalent, a research consulting firm that does a lot of work in financial …

Citizens launches Made Ready brand plaform with Questlove out in front

September 16th, 2019

14:11

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

It’s been 5 years since Citizens’ IPO. A lot has happened during that time and the bank continues …

Al Goldstein on Avant's move into powering digital lending for banks

September 13th, 2019

21:00

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

As an early online lender, Avant built a consumer lending business. And as the market evolved, Al …

Fabric's Adam Erlebacher: 'No one wakes up thinking about how to buy life insurance'

September 8th, 2019

21:15

Welcome to the Tearsheet Podcast.

Having a kid encourages a lot of families to start thinking differently about their finances. Sure, life insurance is a part of that discussion, but so is creating a will and getting …

Deep Dive: From challengers to incumbents, Innovation comes to card aesthetics

September 4th, 2019

12:39

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

It feels like everyone is talking about how cool the Apple Card looks. But Apple is just a …

Best Bank + Fintech Partnership Award: TD Bank and Hydrogen

September 4th, 2019

19:02

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

In this episode, we’re announcing the winner of our first annual bank - fintech partnership award here at Tearsheet. I’m happy to say that TD Bank and Hydrogen won this …

Ingenico’s Eric Liebman on payment trends in the travel industry

September 3rd, 2019

21:26

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

One of the themes we’ve explored on Tearsheet and here on the podcast is vertical payments. As …

Flybits' Hossein Rahnama: '90% of digital transformation is spent on managing IT complexity'

August 27th, 2019

24:43

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

Banks talk about deriving insights from their customer data. They want to provide actionable automated advice to their clients but they struggle just wrangling the data …

Plaid's Lowell Putnam: 'Liabilities gives access to a whole new set of data points'

August 25th, 2019

26:33

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

We’ve been covering the data aggregation industry because it’s our contention that getting this right is one of the underpinnings of modern finance. Sharing clean data …

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 …

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