Tearsheet Podcast: The Business of Finance

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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

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 …

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 …

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

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 …

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 …

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 …

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 …

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

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 …

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 …

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 …

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 …

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 …

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

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

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 …

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 …

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 …

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 …

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

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 …

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 …

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 …

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, …

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 …

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 …

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, …

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 – …

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

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, …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 by Tearsheet

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

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 …

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

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

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 …

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

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

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 …

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 …

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 …

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

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 …

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 …

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

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 …

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

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 …

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

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 …

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

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 …

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

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 …

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 …

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

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 …

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 …

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 …

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

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 …

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

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

OppFi is a fintech platform offering financial products to most …

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 …

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

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

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 …

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

Revenue based financing is quickly becoming a popular route for …

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 …

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 …

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 …

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

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

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

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 …

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 …

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 …

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

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

As banks increasingly work with modern technology providers, …

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

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, …

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, …

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

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 …

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 …

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 …

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

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 …

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 …

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

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 …

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.

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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 …

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 …

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. …

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 …

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 …

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 …

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 …

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 …

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. …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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

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

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 …

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 …

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 …

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 …

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 …

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 …

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. …

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 …

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 …

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 …

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 …

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

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, …

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 …

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 …

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. …

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 …

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 …

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 …

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 …

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 …

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. …

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 …

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 …

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 …

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 …

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 …

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

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

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.

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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, …

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 …

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 …

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.

…

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 …

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, …

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 …

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 …

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 …

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

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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.

…

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

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 …

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

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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 …

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.

…

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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 …

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SMBs have taken it on the chin during this crisis.

Nicole Jass, senior vice president of small …

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

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

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

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

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

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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 …

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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 …

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 …

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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 …

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

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 …

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 …

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

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

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 …

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, …

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. …

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 …

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 …

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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 …

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 …

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

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 …

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 …

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

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

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 …

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

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. …

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. …

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 …

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 …

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 …

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. …

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 …

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 …

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 …

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. …

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. …

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 …

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 …

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 …

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 …

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

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

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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

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

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 …

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 …

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 …

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 …

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 …

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, …

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 …

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

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 …

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

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

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 …

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 …

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

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

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 …

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, …

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 …

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

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

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, …

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 …

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

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

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 …

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 …

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 …

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 …

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 …

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 …

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, …

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 …

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. …

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 …

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 …

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 …

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 …

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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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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

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

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 …

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

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

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 …

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 …

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, …

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 …

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

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 …

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 …

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

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

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

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

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, …

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 …

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 …

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 …

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 …

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 …

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 …

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

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

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. …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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

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

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 …

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

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 …

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

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 …

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

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

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …