Tearsheet Podcast: The Business of Finance

Tearsheet Podcast: The Business of Finance

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Challengers 13: Covid 19’s impact on digital banking, growth slows at OakNorth, Square as a bank
Mar 30 • 19 min
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 challengers are failing. Josh believes it’s…
Tearsheet’s Bank Fintech Partnership Award: JP Morgan and FISPAN
Mar 25 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today we have another special episode — we’re still talking about bank - fintech partnerships by studying some of the best, most impactful ones out there. We have JP Morgan’s Jason Tiede and FISPAN’s Lisa…
Tearsheet’s Bank Fintech Partnership Award: Midwest BankCentre and MANTL
Mar 23 • 25 min
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 CFO Dale Oberkfell and Nathaniel…
Adyen’s Roelant Prins: ‘Modern technology can personalize issuing services for merchants’
Mar 20 • 20 min
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 to the modern economy. From Marqeta to Stripe and now Adyen, payment firms are moving quickly in this…
Tearsheet’s Bank Fintech Partnership Award: Sutton Bank and Marqeta
Mar 19 • 20 min
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 from the nature of their partnership…
Greenlight’s Tim Sheehan: ‘It’s been explosive growth over the past 5 years’
Mar 17 • 18 min
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 teens. These soon-to-be-adults are experiencing choices in personal finance and banking apps that’ they’ve…
Engage People’s Len Covello on Priceline’s pay with points program
Mar 15 • 20 min
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 rewards program technology firm. Len talks about his firm’s recent work of putting Priceline’s entire…
Tearsheet’s Bank Fintech Partnership Award: Mastercard and Signzy
Mar 11 • 15 min
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 work they’ve done together…
Iris Nova’s Zak Normandin on scaling consumer brands using payments over text
Mar 5 • 21 min
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 much like an experience at all. A…
On BBVA’s banking as a service platform with Susan French
Feb 27 • 23 min
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 origination, and card issuance for…
Behind the LendingClub acquisition of Radius Bank with Steve Allocca and Mike Butler
Feb 25 • 22 min
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 large influential fintech player purchased a bank to round out its own balance sheet and provide banking…
Splitit’s Brad Paterson: ‘The state of the industry reminds me of the early days of PayPal’
Feb 19 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Splitit is a global payment technology that enables no-fee installments on credit card purchases. Unlike other point of sale financing platforms, Splitit isn’t consumer financing. There is 0% interest, no…
Amex’s Stewart Kendall: ‘81% of our cardmembers are engaged with us digitally’
Feb 18 • 14 min
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 increased engagement. Amex’s vp of…
Even’s Phill Rosen: ‘CAC is going up as the space becomes more competitive’
Feb 12 • 22 min
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 prices up. So, acquisition in…
Deep Dive: How top fintech and banking apps improve engagement with consumers
Jan 30 • 12 min
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 users spend on them, user…
Gemini’s Jeanine Hightower-Sellitto on expanding institutional ownership of crypto
Jan 27 • 18 min
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 helping that happen. Previously the…
Stackin’s Scott Grimes on delivering personal finance guidance solely through text
Jan 24 • 22 min
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 are too heavy, too complicated or…
Challengers 12: Visa buys Plaid, Starling wants breakeven, Monzo co-founder joins alpaca farm
Jan 15 • 28 min
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 technology. Data agg enables…
Best Innovation Program Award 2020: Mastercard’s Start Path
Jan 7 • 27 min
In this episode, we’re announcing the winner of Tearsheet’s first annual Best Innovation Program Award. We ranked innovation programs on four attributes: creativity, innovative thinking, customer value and results. Mastercard’s Start Path program won this…
Deep Dive: Fintechs get more aggressive and creative around debit card rewards programs
Jan 6 • 13 min
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 usage — something that waned after…
Rho’s Everett Cook on building a better bank for startups
Jan 5 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Between startup challenger banks and digital arms of incumbent banks small businesses still struggle to get services. Startups as clients are particularly challenged given their particular needs around…
Visa’s Bill Sheley: ‘Everyday millions of consumers, business get asked how they want to get paid’
Dec 30, 2019 • 14 min
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 influences the types of fintech…
The Challengers 11: 2019 in review
Dec 26, 2019 • 28 min
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 tongue in cheek, the various colors…
DriveWealth’s John Shammas: ‘We’re accessing the uninvested population around the world’
Dec 20, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. The rebundling continues. Many popular fintechs began their lifecycles doing one thing very well and over time, have added in more products and services. For online banks, many have added — or are…
The need for male allies in financial services with US Bank’s Doug Nielson and MX’s Jane Barratt
Dec 12, 2019 • 19 min
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 yesterday’s Fearless in Fintech conference. The…
Brex’s Henrique Dubugras on payments trends in 2020
Dec 11, 2019 • 14 min
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, began with a straightforward…
Inside First National Bank of Omaha’s launch of a digital consumer loan
Dec 9, 2019 • 27 min
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 with disruption formally in his job…
Inside the Experian DataLabs with Eric Haller
Nov 27, 2019 • 29 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We continue to see consolidation across the financial services industry. In fact, a lot of traditional FIs have entire innovation programs designed to tap outside talent. But what if you’re looking for…
Oracle’s Aubrey Hawes on Open Banking and ecosystem building
Nov 14, 2019 • 32 min
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, including open banking and core banking monetization. The software provider began early, thinking about…
Tally’s Jason Brown: Financial optimization over 80 yrs isn’t something hairless apes evolved to do
Nov 4, 2019 • 16 min
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 their use. Tally wants to change…
Behind Credit Karma’s savings account launch with Jagjit Chawla
Oct 30, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Credit Karma built a wonderful business providing almost 100 million people with free products to help them manage their debt. It was inevitable that they move into the asset side of their customers’…
Titan’s Clayton Gardner: ‘We want to democratize elite investment products’
Oct 27, 2019 • 24 min
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 which offers investment strategies…
Amex partners with Nova Credit translating international credit scoring for immigrants and expats
Oct 25, 2019 • 10 min
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 frustratingly difficult. That’s changing as…
JMP’s Devin Ryan on the impact of free trading on financial services
Oct 21, 2019 • 24 min
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 brokerage — Schwab, TD Ameritrade,…
Behind the scenes of Central Payments’ launch of the Falls Fintech Accelerator with Trent Sorbe
Oct 17, 2019 • 25 min
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 is one of a small number of FIs in…
The challenges and opportunities in moving into enterprise with Moven’s CEO Marek Forysiak
Oct 15, 2019 • 22 min
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 transacting via a telephone, the company…
MoneyLion’s Dee Choubey on choosing and serving an initial target audience
Oct 6, 2019 • 18 min
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 of financial services leaders to…
Inside Aflac’s innovation program with Keith Farley
Sep 25, 2019 • 22 min
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, and incentives, but they all have one…
LendingPoint’s Tom Burnside: ‘There’s room to grow — we’re early in our journey’
Sep 22, 2019 • 19 min
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 loans to individuals, targeting an…
Tandem’s Ricky Knox on the role of AI in consumer banking
Sep 20, 2019 • 29 min
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. His latest venture, Tandem, is a…
Square’s Carl Perry on the new Orders API and the direction of the Developers Platform
Sep 18, 2019 • 22 min
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 after powering the entire…
Escalent’s Chris Barnes on the slowdown in the digital financial ecosystem
Sep 17, 2019 • 22 min
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 services, shows that growth is slowing across the digital ecosystem. It may be easy to wave this off but for…
Citizens launches Made Ready brand plaform with Questlove out in front
Sep 16, 2019 • 14 min
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 to evolve and make changes. Today, Citizens is announcing its new “Made Ready” brand platform. As part of…
Al Goldstein on Avant’s move into powering digital lending for banks
Sep 13, 2019 • 21 min
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 Goldstein’s company found itself being better situated to also help banks enter digital lending. So, in…
Fabric’s Adam Erlebacher: ‘No one wakes up thinking about how to buy life insurance’
Sep 8, 2019 • 21 min
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 your financial info secured in one…
Deep Dive: From challengers to incumbents, Innovation comes to card aesthetics
Sep 4, 2019 • 12 min
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 beautiful example of a new type of credit card. Alongside the evolution of digital payments, something…
Best Bank + Fintech Partnership Award: TD Bank and Hydrogen
Sep 4, 2019 • 19 min
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 year’s award. To talk about the…
Ingenico’s Eric Liebman on payment trends in the travel industry
Sep 3, 2019 • 21 min
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 tools become more flexible and companies and solutions providers target niche problems, we’re seeing more and…
Flybits’ Hossein Rahnama: ‘90% of digital transformation is spent on managing IT complexity’
Aug 27, 2019 • 24 min
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 together. Flybits wants to help…
Plaid’s Lowell Putnam: ‘Liabilities gives access to a whole new set of data points’
Aug 25, 2019 • 26 min
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 between banks and apps may be…
Investors Bank’s Dennis Budinich on kindness in the workplace: ‘Banks don’t talk about this stuff’
Aug 21, 2019 • 30 min
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 today’s show we have Dennis Budinich, chief culture officer at $20 plus billion Investors Bank with 160…
‘Free money has a way of sharing itself’: Dosh’s app enables retailers to target new customers
Aug 20, 2019 • 19 min
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 scale, you run the risk of being dead…
The Challengers 10: Judo raises big bucks down under — Starling nears profitability
Aug 15, 2019 • 27 min
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 founders are in their fifties and are…
FDX’s Don Cardinal: ‘Standards lower the barrier to financial innovation’
Aug 13, 2019 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Behind the scenes and underpinning modern financial technology is data. Consumers want to access their financial data in the apps they prefer and fintech and incumbent financial institutions are opening…
Finix Payments’ Richie Serna: ‘Payments is seeking deeper into the fabric of software’
Aug 9, 2019 • 23 min
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 financial tools become more modular…
‘We call it Dream Fuel’: Behind the growth of PayPal’s SMB lending business
Aug 7, 2019 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. In just five years, PayPal’s business financing solutions has serviced over 225,000 small businesses around the world with funding. Between PayPal Working Capital and PayPal Business Loans, the company…
How Addepar built an ecosystem around the ultra high net worth community with CEO Eric Poirier
Aug 5, 2019 • 22 min
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 type of analytics we’ve become accustomed to in other parts of financial services and investing. It’s been…
Equifax’s Bill Phelan: ‘With PayNet, we cover 30M US businesses and about $4 trillion of capital’
Aug 2, 2019 • 19 min
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 and leasing companies in the U.S.…
Inside Visa’s fintech Fast Track program US launch
Jul 31, 2019 • 18 min
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, VisaNet. Visa’s svp and global head of…
How Genpact’s AI and analytics helped a Formula E racing team finish in the top 3 all season
Jul 28, 2019 • 25 min
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 and sustainability. Substitute…
Deep Dive: Why on-demand companies like Uber and Lyft are embracing fintech
Jul 26, 2019 • 9 min
Tearsheet’s Sara Toth Stub published this week on the growing trend of on-demand transportation companies introducing financial products. Ride hailing firms like Lyft and Uber have rolled out debit cards for drivers and it probably won’t be long until…
Novo’s Michael Rangel: ‘Solving SMB banking requires addressing the fragmentation’
Jul 25, 2019 • 25 min
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 challenger banks launching that were changing the entire banking experience. Singup was quick — there…
The Challengers 9: N26’s US launch — Capital One invests in MoneyLion — Betterment’s bank account
Jul 24, 2019 • 20 min
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 challenger banks gearing up to launch…
Anthemis’ Yann Ranchere: Why I like to invest in ‘boring’ businesses
Jul 22, 2019 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Being an effective venture capital investor in fintech requires staying on top of consumer trends. Understanding the evolving nature of the end customer can make the difference when it comes to outsized…
Stephanie Schultz: Amex differentiates customer service by blending automation and human assistance
Jul 17, 2019 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Stephanie Schultz is the vp and head of emerging strategic partnerships at American Express. In that position, she designs plans and executes partnerships focused around emerging payments and new commerce…
MBLM’s Rina Plapler on how top financial services brands create emotional bonds with their customers
Jul 16, 2019 • 19 min
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, and their product portfolios. As a…
How CARD used affinity marketing to emerge as one the largest challenger banks
Jul 14, 2019 • 20 min
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 usual suspects, like Revolut and N26. But there are others firms that are growing their userbases and…
Grayscale’s Michael Sonnenshein on bringing Main Street investors into digital assets
Jul 11, 2019 • 18 min
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 manager for investors to get access this…
Payfone’s Rodger Desai: Digital transactions should be as easy as making a phone call
Jul 9, 2019 • 23 min
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 ecommerce transactions, particularly when it comes to ID verification. It’s technical and more than anything,…
Synapse’s Sankaet Pathak: Fintech should focus on building products that fill a larger need
Jul 8, 2019 • 20 min
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 everywhere. Banking as a Service…
Unqork’s Gary Hoberman: ‘Financial services firms fail 93% of the time to get value from tech’
Jul 4, 2019 • 34 min
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 needle? My guest today is Gary Hoberman. In his previous role as the CIO at MetLife, he led large digital…
The Challengers 8: Neobank exit strategies — Is TransferWise a bank? — 5 sleeper challenger banks
Jul 3, 2019 • 28 min
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 do they get bought at technology premiums? Josh and Zack are both skeptical that they have a clear exit…
Edison Partners’ Kelly Ford: ‘Growth stage companies are focused on several value drivers at once’
Jun 30, 2019 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. For venture investors, it’s really hard picking winners consistently over time. Kelly Ford, a partner at Edison Partners, has been studying the attributes of successful startups in her work on Edison’s…
Deep Dive: Challenger banks go big by going local and niche
Jun 26, 2019 • 11 min
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. This financial institution is technology-enabled but doesn’t necessarily have global ambitions. It’s…
WePay’s Tina Hsiao on scaling the company after the Chase acquisition
Jun 23, 2019 • 22 min
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 on the podcast is Tina Hsiao, the…
The Challengers 7: A eulogy for Finn — Dave launches a bank — Monzo, Revolut prepare for US launch
Jun 20, 2019 • 26 min
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 launch PR in 2017. Apparently millennials weren’t looking for things like ‘happiness’, ‘emotions’, and…
‘Banking for humans’: Dave launches credit-building banking for its 3.5M users
Jun 18, 2019 • 18 min
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 and to Tearsheet, at least. But 3.5…
Mirador’s Trevor Dryer: ‘The world doesn’t need another high price lender’
Jun 16, 2019 • 22 min
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 and Lending Club were headed to…
Finastra’s Steve Hoke on making community banks more competitive
Jun 11, 2019 • 18 min
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 the deeper pockets of bigger…
MSTS’ Brandon Spear: ‘Find a way to solve B2B payments painpoints and you’ll make a real advocate’
Jun 8, 2019 • 22 min
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 complexity of getting different silos,…
FIS’ Ellyn Raftery on the evolution of financial services marketing
Jun 2, 2019 • 22 min
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 small feat. Today’s guest is Ellyn Raftery, chief marketing and strategy officer for FIS. She’s spent a big…
Finxact’s Frank Sanchez on building an ecosystem around core banking technology
May 30, 2019 • 26 min
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 SaaS core banking system that’s gunning for the big providers. Frank joins us on the show to talk about…
Inside Experian’s digital transformation with CIO Barry Libenson
May 28, 2019 • 26 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Technology continues to infuse new product offerings. But tech’s influence is also permeating organizational structures and internal processes in some of the largest financial firms. When Barry Libenson…
Verifi’s Rick Lynch on reducing the $31 billion chargeback problem
May 19, 2019 • 20 min
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 resolution process on credit card payments? Total costs associated with chargebacks can add up to nearly…
Behind the scenes of OakNorth’s mortgage product launch with CFO Cristina Alba
May 19, 2019 • 18 min
Challenger bank OakNorth launched a mortgage product earlier this month. Just a few years in, the bank uses a different playbook than other challengers. While firms like Revolut and N26 embark on a global expansion strategy by getting local banking…
LendKey’s Vince Passione on partnering with financial institutions with lending as a service
May 19, 2019 • 21 min
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 investors or off a balance sheet. But the idea was that you could build a massive scalable business by…
BankMobile’s Luvleen Sidhu on T-Mobile MONEY, banking college students, and leveraging partnerships
May 19, 2019 • 16 min
It’s not just challenger banks popping up to vie for consumer and business bank accounts. With consumer demand and new empowering technology, It feels like everyone is getting into financial services — from grocery chains to telecom companies. After…
EY’s Nikhil Lele on why banks and tech companies will soon offer financial subscriptions
May 19, 2019 • 21 min
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 technologies that can answer this question is at a huge advantage as incumbents invest in their digital…
Why community and regional banks use Currencycloud to power their international payments
May 16, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. International payments and money transfer firms are among the first of this generation’s fintech leaders. But even if they offer white-label or API solutions, companies like TransferWise are typically…
Say’s Byron Sorrells on using technology to give individual investors a voice
May 15, 2019 • 24 min
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 company’s regulated business helps provide a…
Binji launches, wants to be the only card in your wallet
May 15, 2019 • 16 min
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 solutions to developing reward…
PartnerCentric’s Stephanie Harris on how affiliate marketing is evolving in financial services
May 13, 2019 • 22 min
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 company looking to increase its sales partners with content sites to promote products. If those content sites…
NetSuite’s Scott Derksen on why ERP sits at the center of banking as a service
May 12, 2019 • 25 min
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 what’s exciting going on right now in…
The Challengers 6: OakNorth’s new mortgages — Chase banksplaining backlash — N26 goes into Brazil
May 8, 2019 • 26 min
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 on SMB lending. It uses its savings…
Mezu’s Yuval Brisker: Privacy is the issue of our age
May 8, 2019 • 21 min
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 give up their privacy on his social network. Financial apps like Venmo create a public data exhaust on…
Bento’s Farhan Ahmad: We want to make it very easy for SMBs to replace checks
May 7, 2019 • 19 min
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 and JPMorgan Chase as well as the…
Fintech-enabled marketplaces will disrupt traditional offline industries
May 5, 2019 • 23 min
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 was bought by Zillow in 2014. Nowadays, Pete spends his time investing in next generation marketplaces as a…
Visa’s Margaret Reid on the future of passwords and financial products
May 1, 2019 • 14 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. In honor of World Password Day, May 2, I wanted to get to the heart of why we still use passwords. I personally have hit an age where my password systems and memory fail me, like all the time. With all…
Blend’s Erin Collard: Mortgages are the data superset of every other financial product
Apr 29, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack MIller Financial technology company Blend began building its platform by helping traditional institutions digitize mortgages, working with firms like Wells Fargo, US Bank and some regional banks and credit…
Salesforce’s Rohit Mahna: The financial industry needs to get comfortable being uncomfortable
Apr 29, 2019 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. When I interview the heads of marketing and digital at major financial services institutions, I hear the same thing — how important it is to have a unified, consistent, and delightful customer experience.…
Mastercard CPO Michael Miebach: Collaboration and partnerships are essential to spark innovation
Apr 24, 2019 • 13 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. On our show today, I’m joined by Michael Miebach, chief product officer at Mastercard. Along with the Harvard Business Review, Mastercard released a survey of financial services professionals around the…
Deserve’s Kalpesh Kapadia: ‘We promise the best product for our customer’s profile and life stage’
Apr 22, 2019 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. The financial system has always struggled with young people. Because the system uses credit history, young people were frequently excluded from credit products because they’re new to the system. If you’re…
Google’s Ulku Rowe on how innovative financial services firms approach the cloud
Apr 21, 2019 • 18 min
Our guest today Google’s Ulku Rowe spends a significant amount of time with financial services companies as they grapple with new technologies like cloud, AI, machine learning and data analytics. Ulku’s an engineer with a lot of experience in financial…
Square’s David Rusenko on the relaunch of Square’s Online Store
Apr 17, 2019 • 14 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. David Rusenko sold his website builder, Weebly, to Square around a year ago. With the acquisition complete and the platform now integrated, David and Square are back with the relaunch of the Square Online…
FI.SPAN’s Lisa Shields on why ERPs are the banking channel of the future for businesses
Apr 16, 2019 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s B2B fintech is all about data. Whether you offer loans, bank accounts, or some other type of financial service, the key is getting businesses to give you their data. That’s why we’ve seen business…
Toast’s Steve Fredette: ‘We want to invest $1 billion in R&D in the next 5 years’
Apr 15, 2019 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. One of the trends we’re seeing at Tearsheet is the emergence of vertical players — companies that just go very deep into an industry to solve its particular payments and commerce problems. If you’re able…
The Challengers 5: Who wants to be a bank — the rise of BaaS — Wells should heed Buffett
Apr 11, 2019 • 22 min
On today’s episode, Josh and Zack dive into the rising trend of banking as a service. As companies like Walmart and Apple continue to introduce financial services, they clearly don’t want to be banks. Instead they turn to banking as a service players.…
Branch’s Atif Siddiqi on how the largest brands use salary advance to retain workers
Apr 11, 2019 • 16 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Hourly workers have specialized challenges and needs on the job. Shift management, communicating with one another, and getting paid are all issues tech company Branch addresses. CEO Atif Siddiqi joins us…
Wave Financial’s David Siemer: ‘I’m all in on crypto’
Apr 8, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. David Siemer is the founder of Wave Financial. As a financial services professional, he’s all in on crypto. But it wasn’t always that way. David takes us through his evolution as a venture capitalist…
Equifax’s Mykolas Rambus: ‘There’s still a lot of problems in data wrangling’
Apr 7, 2019 • 24 min
Today’s episode of Marketing Talk is all about data driven marketing. Marketing is evolving within financial service, combining both art and science, both branding and acquisition. Data-driven marketing is a topic we hear a lot aout on this show. Joining…
Lending Podcast 4: Zillow as lender — TD’s digital lending — LendingClub ‘no worse than humans’
Apr 4, 2019 • 20 min
Welcome to episode 4 of the Tearsheet Lending Podcast with your hosts Zack Miller and Dan Pelberg. This week on the show we dive into Zillow’s move to become a mortgage lender, rebranding its acquisition of Mortgage Lenders of America last November…
Digitizing construction finance with Rabbet’s Will Mitchell
Apr 3, 2019 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest on the podcast is Will Mitchell, co-founder and CEO of Rabbet (https://rabbet.com/). He’s built a construction finance platform that services construction lenders and real estate developers…
On TransferWise’s growth and maturation with CEO and co-founder Kristo Kaarmann
Apr 1, 2019 • 26 min
Welcome to the Tearsheet Podcast. I’m Zack Miller As I’ve covered the evolution in financial services and fintech over the past decade with Tearsheet, I’ve had the opportunity to watch a handful of firms blossom into really big businesses. It’s a miracle…
Zafin’s Meenaz Sunderji: ‘Banks are still very siloed in their products’
Mar 31, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. My guest on today’s show is Meenaz Sunderji, svp of partner growth and sales at Zafin. As an financial technology firm, Zafin works with banks like Standard Charter, Bank of the West, CIBC, and SEB to…
The Challengers 4: Making sense of Apple Card — OakNorth’s B2B strategy to go global
Mar 28, 2019 • 24 min
On today’s episode of The Challengers, Josh and Zack explore the new Apple Card. Josh doesn’t understand why Titanium is such a pull for Apple fans. Zack thinks that there are better, more generous credit cards out there. Both your hosts agree that Apple…
Green Dot’s Dov Marmor: ‘Ultimately, people want to bank with the brands they love’
Mar 28, 2019 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re talking a lot about banking as a service. Dov Marmor leads the banking as a service group at Green Dot. Most people know the company as a prepaid debit card program manager. But the company has…
MoneyLion’s CMO Bill Davaris on partnering with NASCAR and addressing the gender pay gap
Mar 27, 2019 • 20 min
Today in the hot seat is Bill Davaris, CMO at Money Lion, a challenger bank that offers zero fee banking and investing, as well as credit and reward products. Bill talks about the full funnel, from awareness to acquisition and the various channels he uses…
Behind BBVA’s ramp of its Banking as a Service offering in the US
Mar 25, 2019 • 17 min
This month, we’re focused on banking as a service — defining it, understanding it, trying it on to see where it leads. The term BaaS is batted around a lot in the industry as it alludes to the near term evolution of a bank’s role in the financial system.…
Zelle’s Melissa Lowry: ‘Beyond awareness, we’re trying to show how we make everyday better’
Mar 21, 2019 • 20 min
We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring in the next cohort of customers. We want to hear…
Lending Podcast 3: How SMB lenders grow — JPM Chase gets into POS lending — Amazon into lending?
Mar 19, 2019 • 22 min
Welcome to episode 3 of the Tearsheet Lending Podcast with your hosts Zack Miller and Dan Pelberg. This week on the show we review Tearsheet’s webinar with leaders at Kabbage, BlueVine, and Intuit’s QuickBooks Capital. All three lenders use smart…
The future of AI and ML in banking with Kony’s Bill Bodin
Mar 19, 2019 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Banks have been talking about leveraging artificial intelligence and machine learning for years. for the most part, it was mostly talk. Now, real use cases of AI and ML are taking hold inside financial…
Using fintech to improve financial wellness with Salary Finance’s Dhiren Master
Mar 17, 2019 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Financial wellness is a popular topic as firms better understand that employees are happier and more productive if they’re less stressed out about money. Salary Finance is one of the top firms in this…
The future of data aggregation and the future of finance with MX’s Brandon Dewitt
Mar 14, 2019 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Over the past month, we’ve spent a lot of time writing and talking on data aggregation. It’s not the world’s sexiest topic, but it’s one we’ve begun to appreciate. It’s almost like the first stage of the…
The Challengers 3: Revolut’s perfect storm — Ant Financial worries incumbents — Stash adds banking
Mar 13, 2019 • 24 min
Welcome to The Challengers Podcast, brought to you by Tearsheet. Your hosts are Tearsheet’s Zack Miller and OurCrowd’s Josh Liggett. This week’s episode covers a lot of ground. Before we hop into the program, I’m excited to tell you about a new award…
Citi’s Mary Hines: ‘With digital features, people redeem points more than five times a year’
Mar 11, 2019 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. With all the choices consumers have to shop today, rewards programs are real differentiators. Turns out that 89 percent of consumers are more loyal to the stores or businesses where they are a rewards…
How Accion Venture Lab invests in the next generation of inclusive financial services firms
Mar 10, 2019 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Many of our listeners might be familiar with Accion, the global non profit that uses digital technology to create a more financially inclusive world. Accion was founded in the 60s and has roots in…
Qwil’s Johnny Reinsch: ‘Our mission is to provide liquidity to SMBs and freelancers globally’
Mar 6, 2019 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Before we start, I want to apologize about my voice on this episode — there was something clearly wrong with my microphone. While it’s annoying, I published this episode anyway because you can make out…
Citi Ventures’ Arvind Purushotham: ‘What happened in lending has migrated to all financial services’
Mar 4, 2019 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest on the podcast is Arvind Purushotham, who heads up venture investing at Citi Ventures. We spend time talking about some of the themes around Citi’s venture investing and how the bank and its…
‘Pitting misery against misery’: How TrueAccord is turning debt collections into a financial service
Mar 3, 2019 • 24 min
The lending industry has long been rewarded for growth. Less focus has been given to profitability and performance — particularly for venture-backed firms that are all about growth in underwriting. As a recession looms and as investors start demanding…
EY’s Sean Viergutz on the results of the firm’s Open Banking Opportunity Index
Feb 28, 2019 • 28 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Over the past couple of months, we’ve paid particular focus to the concept of open banking. These discussion aren’t just theoretical anymore — some countries are taking steps to embrace open banking.…
BBVA Compass’ Alex Carriles on the impact of choosing the right data aggregation provider
Feb 27, 2019 • 12 min
Welcome to the Tearsheet Podcast. I’m Zack Miller We’re continuing our monthly series digging in to data aggregation. We’ve defined the topic and explained how it’s become so important as the underpinning of financial technology. We spoke all the major…
The evolution of marketing as seen through the Financial Communications Society Portfolio Awards
Feb 26, 2019 • 16 min
Financial marketing is an art as much as it is a science. And like with every form of art, it requires its own flavor of society to support its practitioners with leveling up and recognizing talent. The Financial Communications Society has been doing just…
Credit Karma’s Dana Marineau: ‘We want users to think of us as more than just free credit scores’
Feb 25, 2019 • 21 min
We’re continuing to experiment with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring in the next cohort of customers. We want…
How AHP Servicing wove a social mission into real estate financing
Feb 24, 2019 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re hearing of an increasing number of financial services that have woven a social mission into their operations. Today’s guest, DeAnn O’Donovan is CEO at AHP Servicing, a crowdfunded real estate…
The Challengers 2: Wells Fargo’s loss is Chime’s gain - Revolut’s one-upsmanship in user acquisition
Feb 24, 2019 • 25 min
Welcome to The Challengers Podcast, brought to you by Tearsheet. Your hosts are Tearsheet’s Zack Miller and OurCrowd’s Josh Liggett. Before we jump into our show. I’d like to thank our sponsor MX for supporting Tearsheet’s work. MX is the leader in…
TS Lending Podcast I 1: The race to 1 day mortgages, crypto lending grows up, SoFi adds investing
Feb 22, 2019 • 20 min
Welcome to episode 2 of the Tearsheet Lending Podcast with your hosts Zack Miller and Dan Pelberg. This week on the show, we talk about crypto lending and what the industry needs to do to grow up. Dan wrote a thoughtful article about the crypto lending…
Fractal Analytics Sankar Narayanan: ‘AI industry is a collective against inefficiency’
Feb 18, 2019 • 29 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Banks have a lot on their plates right now. There are use cases for analytics and artificial intelligence today but they need to look externally for help. I’ll admit that when I read that Apax was…
TS Podcast: Deep dive into Amazon’s heavy handed lending practices
Feb 15, 2019 • 11 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Joining me today on our show is Tearsheet reporter, Dan Pelberg. Dan covers the lending space and he wrote an article earlier this week about Amazon’s lending business. He went out and spoke with a lot of…
What is data aggregation and why it matters to digital finance
Feb 14, 2019 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’ve been reporting a lot recently on the data aggregation industry. Gradually, over years, firms like Plaid, Quovo, Finicity, Yodlee and MX have been building real businesses by pulling, cleaning and…
PayPal’s first institutional investor, BlueRun’s Jonathan Ebinger on investing in fintech today
Feb 11, 2019 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We continue to talk to the best fintech investors in the business. Up today is Jonathan Ebinger, partner at BlueRun Ventures. BlueRun is probably best known in fintech circles for its early stage…
Introducing The Challengers Podcast: Banks go global, apps as financial hubs, and Marcus is a player
Feb 7, 2019 • 20 min
Welcome to the inaugural episode of The Challengers Podcast, hosted by Tearsheet’s Zack Miller and OurCrowd’s Josh Liggett. Tearsheet’s new The Challengers Podcast is a bit like Rocky versus Apollo Creed in that we intend to explore the differences…
Building a bank designed for freelancers and solopreneurs with Joust’s George Kurtyka
Feb 3, 2019 • 22 min
Welcome to the Tearsheet Podcast. Managing finances for small and microbusinesses is a mess. 57 million people in the US freelance and 30 million or so of those are micro and small businesses. Small businesses typically use a dozen or so apps and pieces…
Radius Bank’s Chris Tremont on an innovation model for smaller banks
Jan 30, 2019 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. On the show, we’ve explored a lot of ways large banks, with lots of assets and resources, have found ways to innovate. But smaller banks are innovating too — they’re just doing it differently. Without…
Haven Life’s Yaron Ben-Zvi: ‘People don’t wake up in the morning wanting to buy a policy’
Jan 24, 2019 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller Shopping for life insurance after the birth of his first child, Yaron Ben-Zvi went online and was shocked. The world that was transforming banking and investing hadn’t made its way to insurance. So, as a…
KPMG’s Safwan Zaheer on the future of Open Banking
Jan 17, 2019 • 15 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Open Banking is a concept that’s been thrown around and prognosticated on for years. With last year’s European regulation, we expected to see a world of banking interconnectivity, where users’ data went…
Clearcover’s Kyle Nakatsuji on rolling out a national car insurer, state by state
Jan 14, 2019 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. In the startup world, it’s pretty unheard of nowadays to take a full year and a half before launching a first product, But that’s exactly what Kyle Nakatsuji and Clearcover did when launching their…
Investing in proptech with Camber Creek’s Jeffrey Berman
Jan 8, 2019 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Investors are definitely warming up to the opportunities in proptech — technology applied to real estate. The numbers are still out on 2018 but over $12 billion was invested in real estate technology in…
Western Union’s Michael Hafer on growing a massive incumbent brand in a changing market
Jan 2, 2019 • 21 min
It’s marketing time again — for these types of episodes, we invite in a marketing professional who’s knee-deep in growing his or her business, bringing in the next cohort of customers and building a big company. The money transfer industry is undergoing…
F-Prime Capital’s Ben Malka: ‘There’s lots left to do in insurtech’
Dec 28, 2018 • 20 min
Today’s guest on the show is Ben Malka, a partner at venture firm, F-Prime Capital. Beginning at Capital One Partners and F-Prime, Ben’s been investing in financial technology in capital markets, banking, insurance, and payments. Ben’s career has spanned…
Forrester’s Peter Wannemacher on his 2019 predictions for finance, fintech
Dec 26, 2018 • 21 min
As an analyst at Forrester, Peter Wannemacher helps banks think about and develop their digital strategy. Peter joins us on the show to talk about his predictions for the financial services industry out into 2019 and beyond. We unpack how some of the…
Mastercard’s Amy Neale: ‘We make it easy for the best startups to say yes to what we have to offer’
Dec 19, 2018 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. There’s been a bull market in innovation programs launched by large financial institutions over the past couple of years. We’ve had quite a few of them on this show. Most of these programs involve the FI…
How tech is changing the wealth management adviser/client relationship with eMoney’s Ed O’Brien
Dec 16, 2018 • 15 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest on the podcast is eMoney Advisor, CEO Ed O’Brien. eMoney is one of the largest wealth management platforms in the space with over 2.5 million Americans on the platform. It’s used by over…
The future of the wealth management firm with AdvicePeriod’s Jonathan Straub
Dec 13, 2018 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. With roboadvisors, exchange traded funds, and mobile banks in your pocket, what does the wealth management firm of the future look like? It feels like core parts of the investment process are being…
Varo Money’s Carl Gish on how to market a new challenger bank
Dec 12, 2018 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. It’s marketing time again — for these types of episodes, we invite in a marketing professional who’s knee-deep in growing his or her business, bringing in the next cohort of customers and building a big…
Why Jay Z and Kevin Durant are investing in a new life insurer with Ethos’ Peter Colis
Dec 8, 2018 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. It’s not everyday that Jay Z and Kevin Durant invest in fintech. They recently joined Sequoia and Accel on the cap table of Ethos, a new brand that’s trying to reconfigure our relationship with buying and…
Inside N26’s U.S. launch
Dec 4, 2018 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Challenger bank N26 has made a name for itself in Europe. Beginning in Germany, the company has expanded throughout the continent. In June 2018, the company announced it had hit the 1 million customer…
Making innovation core to what you do with Intuit’s Bharath Kadaba
Nov 30, 2018 • 31 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We live at a time where technology innovation is accelerating. This optimistic idea, that things are shifting under our feet for the better, gets me juiced. It’s a big reason why I publish this podcast.…
Why fintech VC Anthemis launched an online zine (kind of)about finance with CMO, Leslie Campisi
Nov 27, 2018 • 26 min
It may seem odd that one of the leading fintech venture firms, Anthemis, launched an online zine that explores the big issues impacting financial services to raise attention and create action. But when you speak to the firm’s chief marketing officer,…
How Marcus by Goldman Sachs took to the streets of New York to market its high yield savings account
Nov 25, 2018 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re digging deeper here, talking to some of the top finance and fintech marketers about the challenges and opportunities in growing their businesses. Marcus, the online consumer bank by Goldman Sachs,…
Inside Ally Bank’s launch of Banksgiving
Nov 21, 2018 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring…
Genpact’s Raja Bose on the human experience in banking
Nov 20, 2018 • 19 min
Welcome to the Tearsheet podcast. I’m Zack Miller. As banks become more digital, and as consumers get more comfortable transacting electronically, the role of banks is evolving. And consumers — as pesky as they can be — sometimes have conflicting desires.…
What’s happening with Latin American fintech with Andres Fontao
Nov 19, 2018 • 25 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Something interesting is going on in fintech in Latin America. The region —while nowhere near the maturity of what’s going on in New York, London, Singapore, or Tel Aviv — is enjoying the early stages of…
Laurel Road’s Alyssa Schaefer on launching a new online lending brand with deep banking roots
Nov 15, 2018 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re digging deeper here, talking to some of the top finance and fintech marketers about the challenges and opportunities in growing their businesses. It’s not often that a marketer gets a chance to…
Mastercard’s Marcy Cohen on launching and growing a podcast
Nov 13, 2018 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring…
Wave’s Grace Marquez: Behind the scenes of the re-brand
Nov 8, 2018 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring…
Cambr’s Ahon Sarkar on adding banking functionality and a full blown deposit network to fintech apps
Nov 7, 2018 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. What do you do if you’ve built an online lender and you decide you want to offer simple banking services, like a bank account or a debit card? You could try building your own but that’s hard. And…
Deloitte Consulting’s Mark Purowitz on the second wave of insurtech
Nov 4, 2018 • 39 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Deloitte published a recent report (https://www2.deloitte.com/content/dam/Deloitte/us/Documents/financial-services/us-dcfs-insurtech-entering-second-wave.pdf) entitled Insurtech Entering Its Second Wave:…
Funding Circle’s Bernardo Martinez on the role banking partnerships play in customer acquisition
Nov 1, 2018 • 16 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring…
Plaid’s Sima Gandhi: ‘Chase has been forward looking about consumers’ access to banking data’
Oct 31, 2018 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. There’s a low-scale war going on right now to get at user-permissioned data. The writing’s on the wall — banks are sharing customer data with the fintech apps their customers are using. What started with…
Intuit’s Rania Succar: ‘The combination of payments and capital is super strategic’
Oct 25, 2018 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. As an integrated fintech company, Intuit seems to be firing on all cylinders. Its QuickBooks product helps millions of businesses manage their finances. More than 240 million invoices are created by…
FICO’s Ben Werner on the future of digital auto finance
Oct 23, 2018 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. I’ve heard online auto financing compared to teenage sex — a lot of people talk about it, but few actually do it. That’s actually a fact. In the first ever survey focused on the auto finance experience,…
BFS Capital’s Marc Glazer: ‘Technology is driving big changes in the lending industry’
Oct 21, 2018 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. My guest today is Mark Glazer, chairman and interim CEO of BFS Capital. BFS is somewhat of a pioneer in the industry. The South Florida- based company has been lending money to small businesses via small…
LendingClub’s Bill Walsh: ‘At its core, marketing is a data problem’
Oct 14, 2018 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring…
Marketing Talk: Policygenius’ Jonathan Metrick
Oct 9, 2018 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re experimenting with an interesting new series on the podcast called Marketing Talk. We’re talking to top finance and fintech marketers sitting on the front lines of their business, hustling to bring…
How TransferWise scales internationally with CTO Harsh Sinha
Oct 8, 2018 • 21 min
Welome to the Tearsheet Podcast. I’m Zack Miller. There’s a lot of activity in global payments going on right now. Interestingly, global payments was a popular foothold for many of fintech’s first generation of startups. Companies like Transferwise proved…
Bunker’s Chad Nitschke: “Freelancers just had no idea where to go for insurance”
Oct 7, 2018 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. I’ve been really drilling down on the insurtech industry for the past couple months here on the podcast. And it’s interesting: some of the firms I’ve interviewed have focused on bringing insurance into…
Anthemis’ Ruth Foxe Blader: ‘Like Google, insurance firms are data companies’
Oct 1, 2018 • 25 min
Ruth Foxe Blader cut her teeth on digital innovation at PepsiCo and Allianz. It was inside one of the world’s largest insurance firms that she grew to appreciate just how much opportunity there is for innovation in financial services. Now, she’s a…
Shortening insurtech time to market with Boost Insurance’s Alex Maffeo
Sep 26, 2018 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. When you talk to insurtech entrepreneurs and investors and you lament the issue of how long it actually takes to bring a product to market, you can immediately get heads nodding (and if you’re lucky, a…
What to expect at this year’s Money 20/20 with Tracey Davies
Sep 24, 2018 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. If you’re like most of our listeners, you’re probably gearing up to travel to Las Vegas, October 21-24 to attend this year’s Money 20/20 conference. In seven years, beginning in Vegas but now globally,…
FINOS’ Gab Columbro: ‘The industry’s appetite to embrace open source has drastically accelerated’
Sep 21, 2018 • 26 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We spend a lot of time talking and thinking about financial technologies and products. Almost all of them have been developed by private companies — fintechs and incumbents alike. But there is a vibrant -…
How Finicity helps financial organizations build and partner with financial apps
Sep 19, 2018 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. In today’s financial world. we talk a lot about data, APIs, digitization. As more of the largest financial organizations continue to partner with fintechs, data aggregation, access, and connectivity…
How Broker Buddha simplifies commercial insurance with Jason Keck
Sep 14, 2018 • 16 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’re continuing with our insurance and insurtech trends with a story today about a startup tackling a major hurdle in the digitzation of the industry. As a policy holder, you’ve likely experienced the…
Turning music rights into an investable asset with Royalty Exchange’s PJ Miklus
Sep 12, 2018 • 25 min
One of the major themes on the podcast a few years back was the investification of various asset classes. We’ve seen LendingClub open up personal lending at scale to investors. Companies like Angel List and OurCrowd helped popularize investing in early…
Changing the way home insurance is sold with Hippo’s Assaf Wand
Sep 10, 2018 • 26 min
There’s been a rash of activity and a big influx of new capital into insurtech. Insurance almost feels like it was the last holdout to be targeted by fintech firms. That’s because it’s a really big problem to solve. Today’s guest, Assaf Wand is the…
Cadre’s Ryan Williams: ‘We believe tech can accelerate liquidity in real estate’
Feb 22, 2018 • 21 min
Fast Company recently published its list of the world’s most innovative companies. There were 10 financial companies that made the list. One of them was Cadre, a digital platform that streamlines real estate investments as well as deal sourcing, due…
Citi Ventures’ Vanessa Colella: ‘No one runs innovation. It’s all about unleashing it.
Feb 1, 2018 • 22 min
As one of the largest financial institutions in the world, Citi takes its innovation efforts seriously. Combining internal and external models of collaboration with a disciplined corporate venture arm, the financial services giant ensures that it has a…
WorldRemit’s Catherine Wines: ‘Making money transfer as easy as texting’
Jan 24, 2018 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Catherine Wines has seen how technology has impacted the remittance business. When she co-founded WorldRemit in 2010, she envisioned doing to remittance what the online travel agencies had done to their…
Wirecard’s Deirdre Ives: ‘Our customers are driving innovation’
Jan 17, 2018 • 10 min
Wirecard is a global technology group that enables companies to accept payments from all sales channels. The German company operates in 35 countries and in over 100 transaction currencies with connections to more than 200 international payment networks,…
Reliamax’s Michael VanErdewyk: ‘We’re seeing a move towards more private student loans’
Jan 10, 2018 • 10 min
With all the excitement around online lending, there are still some spaces that have a long growth runway. One of the most persuasive growth opportunities is private student lending. Macroeconomic and policy changes are contributing to the growth thesis…
PrimeRevenue’s Tom Roberts: ‘More companies are optimizing their cash conversion cycle’
Jan 3, 2018 • 19 min
Supply chain finance is a part of fintech that doesn’t share the same limelight with other sectors like consumer lending or consumer payments. Throughout history, companies have typically turned to one or two financial provider to help them free up money…
Roostify’s Rajesh Bhat: ‘We’re still in the first quarter of the online mortgage game’
Dec 8, 2017 • 21 min
A poor homebuying experience compelled our guest this week to search for a better way. Rajesh Bhat is the CEO and co-founder of Roostify, an enterprise mortgage origination platform. Unlike with some other financial products, the complexity and diversity…
Raise’s George Bousis: ‘Gift cards really simplify the ways retailers service customers’
Nov 22, 2017 • 20 min
George Bousis began his career as a professional gamer. As he grew up and found his direction in his family’s grocery business, his fascination with technology led him to examine what it was that kept his customers coming back. That focus on technology,…
Quandl’s Tammer Kamel: ‘Top investors are looking for gold nuggets in a sea of data’
Nov 15, 2017 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Tearsheet’s next event, Hot Topic: Mobile Payments, will discuss the successes, failures, opportunities, and motivations for various players fighting to stay current when it comes to owning mobile…
Aspiration’s Andrei Cherny: ‘Our customers are treated as whole people, not just dollars and cents’
Nov 8, 2017 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Tearsheet’s next event, Hot Topic: Mobile Payments, will discuss the successes, failures, opportunities, and motivations for various players fighting to stay current when it comes to owning mobile…
Kasisto’s Zor Gorelov on the future of conversational banking
Nov 1, 2017 • 20 min
Mobile payments are a solution without a problem; a way for banks and retailers to stay top of mind for customers as most of their attention and the way they manage their lives have shifted to their mobile devices. Tearsheet’s next event, Hot Topic:…
Xero’s Keri Gohman: ‘70 percent of small businesses are using cloud technology’
Oct 18, 2017 • 22 min
Mobile payments are a solution without a problem; a way for banks and retailers to stay top of mind for customers as most of their attention and the way they manage their lives have shifted to their mobile devices. Tearsheet’s next event, Hot Topic:…
Dr. Sean Wise: ‘Customers are the real people validating fintech ideas’
Sep 21, 2017 • 21 min
As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just what their future role will be around the blockchain. Join Tearsheet on September 25th to explore these…
XE’s Beric Farmer: ‘Entrepreneurs can’t get starstruck by people who seem to have all the answers’
Sep 14, 2017 • 28 min
As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just what their future role will be around the blockchain. Join Tearsheet on September 25th to explore these…
WEX’s Melissa Smith: ‘In the financial marketplace, momentum matters’
Aug 31, 2017 • 19 min
As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just what their future role will be around the blockchain. Join Tearsheet this September to explore these advances…
StashInvest’s Brandon Krieg: ‘Big companies crave innovation but it’s harder for them to move fast’
Aug 24, 2017 • 20 min
As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just what their future role will be around the blockchain. Join Tearsheet this September to explore these advances…
Edison Partners’ Chris Sugden: ‘With growth equity, dogs are already eating the dog food’
Aug 16, 2017 • 32 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. As Bitcoin, cryptocurrencies, and initial coin offerings push to new heights, top financial institutions and banks are rushing to figure out just what their future role will be around the blockchain. Join…
Money.net’s Morgan Downey: “2016 was Bloomberg’s ‘Blackberry Moment”
Aug 10, 2017 • 25 min
Hundreds of millions of dollars — and in some cases, billions - have been spent trying to create a Bloomberg killer. So far, no one’s come close to succeeding. But there’s a chink in Bloomberg’s armor. Except for 2009 in the throes of the financial…
Ping An’s Jon-Tzen Ng: ‘We look at progress in a matter of days and weeks’
Jul 19, 2017 • 28 min
In the West, when we think about innovation, financial firms don’t generally grace a top 10 list of innovative firms. Not so in China. There, the financial technology firms are regarded as some of the most creative and aggressive firms around, stealing…
Adyen’s Luke Salinas: ‘The industry’s been talking about omnichannel for years’
Jul 12, 2017 • 16 min
Luke Salinas runs strategy in North America for Adyen, which is a provider of frictionless payments across online, mobile, and in-store for global companies like Uber and Netflix. Prior to his role at one of the hottest fintech firms anywhere, he ran…
Experian Ventures’ Alex Marquez: ‘Venture is our listening post to all the innovation going on’
Jun 29, 2017 • 18 min
After 18 plus years in corporate venture capital, credit bureau Experian brought in Alex Marquez last year to launch their own investment vehicle. While the firm has been pretty acquisitive throughout its history, this was a new initiative for the firm as…
Scott Mills: ‘Your fintech PR has to show you’re making progress and that’s tough to do’
Jun 20, 2017 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Scott Mills has fintech PR in his blood. Along with his dad and his brother, Scott has built William Mills into the largest independent PR and marketing firm in the financial industry. The 40-year old…
MassMutual Ventures’ Doug Russell: ‘Our objective is to generate insights into our ecosystem’
Jun 14, 2017 • 16 min
We’re continuing on our series of interviewing top corporate venture capitalists in the finance industry to get their perspectives on where things are headed by looking at where they’re investing. Today’s guest is Doug Russell, managing director of…
Blockchain Capital’s Spencer Bogart: ‘Wall Street should be paying attention to blockchain now’
Jun 4, 2017 • 19 min
What do you do as a sell-side analyst when you write the seminal research report on Bitcoin? You join a new type of venture capital firm that invests solely in the blockchain ecosystem. Today’s guest is Spencer Bogart, head of research at Blockchain…
American Family Ventures’ Dan Reed: Fintech investing answers questions that haven’t been asked yet
May 28, 2017 • 19 min
If you want to drill deeper into the topics we discuss weekly here on the show, you’re going to want to attend our upcoming event, Tearsheet Money. We’ll be convening June 5th in New York City to hear about the state of the art in fintech and read some of…
WorldFirst’s Mike Ward: “People still don’t realize that there are alternatives to the incumbents”
May 21, 2017 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. If you want to drill deeper into the topics we discuss weekly here on the show, you’re going to want to attend our upcoming event, Tearsheet Money. We’ll be convening June 5th in New York City to hear…
Zions Bank’s Alex Jimenez on defining innovation and doing it better
May 11, 2017 • 18 min
This week’s guest on the podcast is Alex Jimenez, a vice president and senior strategist at Zions Bank in Salt Lake City where he leads the overall technology investment planning process for the office of the CIO. Alex is also a well-regarded influencer…
Fintech recruiter Nako Mbelle: ‘Fintech skillsets in demand right now are pretty exotic’
May 8, 2017 • 27 min
This week’s guest on the podcast is Nako Mbelle, who runs global recruitment boutique, Fintech Recruiters (www.fintechrecruiters.com), serving the financial technology market. She works with FinTech 100 clients in the US, Canada, France, Germany, the UK,…
Investing in innovation with Mastercard’s Jeff Allen
May 2, 2017 • 25 min
If you want to drill deeper into the topics we discuss weekly here on the show, you’re going to want to attend our upcoming event, Tearsheet Money. We’ll be convening June 5th in New York City to hear about the state of the art in fintech and read some of…
Jo Ann Barefoot: ‘If regulators can tilt fintech, they’ll be able to tilt all of finance’
Apr 25, 2017 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. If you want to drill deeper into the topics we discuss weekly here on the show, check out our latest event, Tearsheet Money. We’ll be convening June 5th in New York City to hear about the state of the art…
Inlet’s Chuck Cordray: ‘After 20 years, finance is less than 20 percent of the way to paperless’
Apr 18, 2017 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. If you want to drill deeper into the topics we discuss weekly here on the show, check out our latest event, Tearsheet Money. We’ll be convening June 5th in New York City to hear about the state of the art…
The secret sauce in Taco Bell’s and Dunkin’ Donuts’ mobile apps with CardFree’s Jon Squire
Apr 11, 2017 • 19 min
When you think about successful mobile apps, sure you think about Starbucks. But you’d probably also want to include Taco Bell and Dunkin Donuts. Today’s guest, Jon Squire and his firm CardFree are behind many of these leading retail apps and when you…
Lendio’s Brock Blake on SMB lending, fintech franchising, and building sustainable businesses
Apr 4, 2017 • 20 min
Welcome to the Tearsheet podcast. I’m Zack Miller. Just a quick reminder that the our podcast, website, and newsletter are now called Tearsheet. This week Brock Blake of Lendio joins us on the show. Brock started his firm in 2011 as a pure lead gen firm…
Digitizing the credit bureau with Experian’s Laura DeSoto
Mar 28, 2017 • 17 min
Just a quick reminder that the podcast, website, and newsletter — the whole dang company actually — is now called Tearsheet: http://www.tearsheet.co This week on the Tearsheet Podcast, we’re talking about the digitzation of the credit bureau. Offline…
U.S. Bank’s Dominic Venturo on creating a model of innovation
Mar 22, 2017 • 19 min
Before we jump into this week’s interview, I just wanted to let you in on a little housekeeping news. Last summer, Digiday Media announced the acquisition of Tradestreaming, a new vertical that was devoted to the big story of how finance was changing with…
Behind the war for fintech talent with untapt’s Ed Donner
Mar 13, 2017 • 20 min
Welcome to the Tradestreaming podcast. I’m Zack Miller. There’s a serious shortfall for technology talentin financial services and fintech. untapt’s CEO Ed Donner estimates there are 120,000 open roles for technology positions and that’s just in the U.S.…
Tradestreaming Deep Dive: Amazon and Capital One?
Mar 1, 2017 • 10 min
Welcome to the Tradestreaming Podcast. I’m Zack Miller. Today’s episode is part of a new series we’re running. It’s called Deep Dive and as part of the show, we get an inside look from the reporters writing some of our top stories. Hope you enjoy it. We…
Malauzai Software’s Robb Gaynor on mobile banking, retail payments, and chatbots
Feb 23, 2017 • 23 min
We’ve been on kind of a kick here recently with the podcast, exploring today’s trends in mobile finance and what’s driving mobile banking and retail payments. Today’s guest is Robb Gaynor, the chief product officer at Malauzai Software, a digital…
Accelerating mobile commerce and loyalty programs with Sionic Mobile’s Ronald Herman
Feb 9, 2017 • 24 min
So many retailers are shooting to emulate Starbucks’ loyalty program. But they’re falling short. Way short. Why is that? On the Tradestreaming Podcast this week, I speak with the founder and CEO of Sionic Mobile, Ronald Herman. Sionic is a mobile commerce…
Making regtech sexy with Trulioo’s Stephen Ufford
Feb 1, 2017 • 27 min
Welcome to the Tradestreaming podcast. I’m Zack Miller. Today’s episode is a first for the podcast. We’re talking about regtech, the technology that enables a lot of the other types of fintech — lending, moving money, investing. Our guest today is serial…
Bain’s Gerard du Toit: Why 30 percent of banking customers buy products from competitors
Jan 19, 2017 • 24 min
Something curious just popped up on our inevitable march toward mobile banking. Adoption kind of hit a wall. Sure, a lot of early adopters are comfortable using their smartphones to transact but seems an older demographic just isn’t taking to digital…
SAP’s Kris Hansen on what’s really happing in blockchain
Jan 11, 2017 • 18 min
Welcome to the Tradestreaming podcast. I’m Zack Miller. In our coverage of bitcoin and supporting blockchain technologies, it’s clear that the hype way overshoots what’s actually happening on the ground. So, to better understand how companies are actually…
BBVA’s Scarlett Sieber on embracing new directions in banking
Jan 5, 2017 • 19 min
While some banks and fintech professionals are still just talking about embracing new directions with their businesses, Scarlett Sieber and BBVA are doing just that today. Scarlett is the senior vice president of global business development and she’s…
Beyond the blockchain hype with MIT’s David Shrier
Dec 22, 2016 • 17 min
Blockchain may be nearing the peak of its hype cycle but much of the hubbub is just that — top financial firms are still just testing distributed ledger technology, trying to figure it out and understand its potential. Few understand how the world is…
Connecting with customers’ passion points with Citi’s Julie Booth
Dec 14, 2016 • 18 min
On this week’s podcast we have Citibank’s Julie Booth. She is a senior vice president in the cards group focused on social and content strategies for North America. She spoke at the Tradestreaming Money Conference in November. Her presentation described…
Real world blockchain applications with ACI’s Mark Ranta
Dec 9, 2016 • 12 min
On this week’s episode of the podcast, Tradestreaming reporter Josh Liggett interviews Mark Ranta, the global head of digital banking solutions at ACI Worldwide. Mark’s responsible for the day-to-day management of the consumer digital banking offerings…
CNN’s Cristina Alesci on making banking authentic again
Dec 4, 2016 • 20 min
Welcome to the Tradestreaming Podcast. I’m Zack Miller. Cristina Alesci joins me on this week’s show. Cristina is a television and digital correspondent for CNN and CNNMoney. She covers the companies and business leaders that influence everyday life and…
‘Chatbots are getting way over hyped’: Ron Shevlin on the future of people in banking
Nov 25, 2016 • 16 min
Last week, we hosted our first conference, the Tradestreaming Money Conference. We had hundreds of top speakers and attendees from the largest financial institutions like Vanguard, US Bank, Goldman Sachs, JP Morgan, NY Life, and Fidelity a join us to talk…
WTF Is Blockchain
Nov 4, 2016 • 20 min
This episode of the Tradestreaming Podcast is a bit different than our others. You’ll hear multiple voices in addition to host, Zack Miller. These voices are the reporters behind Tradestreaming covering how technology is impacting the business of big…
Building financial communities with Vanessa DiMauro
Oct 6, 2016 • 25 min
Today’s financial firms aren’t your father’s financial firms. Vanessa DiMauro is the CEO of Leader Networks, a research and consulting company that helps companies create and grow online communities. In a world of increasingly commoditized financial…
Lani Hayward on Umpqua Bank’s acclaimed podcast, Open Account
Sep 29, 2016 • 23 min
Umpqua Bank is the West Coast’s largest independent community bank, headquartered in Portland, Oregon. The bank calls its branches stores and designed them as inviting spaces for people to come in, read the paper, surf the Internet, and enjoy a cup of…
Autonomous Research’s Lex Sokolin on the 4 waves of roboadvisors
Sep 22, 2016 • 33 min
I’m joined this week by Lex Sokolin. He’s a self-described futurist and entrepreneur focused on the next generation of financial services. He currently directs Fintech Strategy at Autonomous Research, a research firm for the financial sector. Previously,…
Meb Faber on designing investment strategies, launching ETFs, and building a digital advisor
Sep 2, 2016 • 28 min
I’m joined this week by Meb Faber. He’s a self-described investing researcher, author, financial entrepreneur, and now, podcaster. Meb’s found a way to navigate his own path through investment management by building his own media platform. He’s written a…
Alex Tapscott on why the future of finance will be on blockchain
Jul 22, 2016 • 25 min
Today’s guest is Alex Tapscott who runs Northwest Passage Ventures which works to build blockchain companies with capital and other resources. Alex’s interest in blockchain stems from a research project he conducted a few years ago at the University of…
Tradestreaming joins Digiday Media
Jul 19, 2016 • 2 min
Today’s episode is going to be a bit different from our regular format. Instead of interviewing a top fintech entrepreneur, someone leading digital at a large financial institution or a venture investor in financial services, it’s just going to be me…
Injecting big data into real estate investing with Ely Razin
Jul 8, 2016 • 18 min
We’ve spoken a lot on the podcast about tools for institutional investors. Technology and data have changed the way they go about their business. But that’s not really true for real estate investors. It’s funny — in an industry where hundred million…
BBVA’s Scarlett Sieber on the building of a consumer banking ecosystem
Jun 24, 2016 • 22 min
Spain-based BBVA is one of the most creative and aggressive global banks when it comes to investing in new financial technology. In part, that’s because they have Scarlett Sieber on the team. Her formal title is SVP of GLobal Business Development in the…
Top fintech banker Steve McLaughlin on the future of wealth management
Jun 17, 2016 • 21 min
Investment Banker Steve McLaughlin left Goldman Sachs in 2002 to start FT Partners, a boutique investment bank focused on fintech. Since then, Steve has played a major role in the growth of the industry. Now, 15 years in and with a team of 70 people,…
Susquehanna Growth Equities’ Amir Goldman on investing in fintech
May 27, 2016 • 22 min
This episode is another in an ongoing series on this show where we talk to some of the leading investors in the financial technology space. This week’s guest Amir Goldman of Susquehanna Growth Equity is bit of a pioneer in the space. His firm has been…
Investing in growth-stage financial services with Long Ridge’s Kevin Bhatt
May 20, 2016 • 24 min
This episode is another in an ongoing series on this show where we talk to some of the leading investors in the financial technology space. This week’s guest provides an interesting perspective we haven’t really heard from yet — Kevin Bhatt is a partner…
How to build a bank with no branches with Card.com’s Ben Katz
Apr 22, 2016 • 20 min
Wall Street has been shedding Main Street bank branches of late and it doesn’t appear like it’s letting up any time soon. As more financial transactions occur over the web, the purpose of a bank branch is changing and for many banks, they just can’t make…
Thiel Capital’s Phin Upham on investing in tomorrow’s financial giants
Apr 8, 2016 • 27 min
Next up, we’ve got Phin Upham. Phin is a principal at Thiel Capital, famed-fintech investor Peter Thiel’s investment office. Peter is a renown entrepreneur (founded PayPal and Palantir) and an equally talented investor. Phin’s experience helping to deploy…
Canaan Partners’ Dan Ciporin on investing in marketplace lending
Apr 1, 2016 • 22 min
We’ve explored various themes on investing in financial technology on this show. We’ve interviewed Caribou Honig at QED Investors. We’ve also spoken to to Foundation Capital’s Charles Moldow. If you were to put together an all-star team of fintech…
Jan Bellens: Trends in Asian Fintech
Mar 4, 2016 • 23 min
Jan Bellens is banking and capital markets leader for EY in emerging markets and Asia Pacific. He’s tasked with a role at his firm that is part analyst, business consultant, and trend watcher. He speaks to his partners, teams, and financial services…
Marketplace lending meets retirement investing with Income&
Feb 19, 2016 • 15 min
Open any news site and you’ll read how the Marketplace Lending sector is ramping. US companies like Lending Club and Prosper are underwriting billions of dollars every quarter now. But when you read stories about the industry, the media frequently focuses…
Creating the ultimate algorithm: How Numerai crowdsources successful trading strategies
Feb 9, 2016 • 19 min
We’ve spent the past couple of weeks of this show talking to leading early-stage investors in financial technologies — guys like Charles Moldow of Foundation Capital and Caribou Honig of QED Investors. These are the same guys that have invested in some of…
Why Foundation Capital’s Charles Moldow invests in B2C fintech companies
Feb 2, 2016 • 22 min
Last week, we had Caribou Honig of QED Investors on the podcast and I said that his portfolio is one of the strongest in fintech. If I had to name the top investors in the next generation of finance companies, Charles Moldow of Foundation Capital would…
QED Investors’ Caribou Honig on investing in today’s early stage fintech
Jan 26, 2016 • 23 min
Our guest for this episode is Caribou Honig, a founding partner of QED Investors. QED has quietly become one of the top investors in the financial technology space — their investment portfolio includes early big successes like SoFi and Prosper and also…
Ron Shevlin on the bank of the future
Jan 19, 2016 • 30 min
If you listen to NPR, you’ll sometimes hear a recording artist, someone like Lyle Lovett, referred to as “an artist’s artist”. Meaning, an artist that other people of the same craft can appreciate and love. Our guest on this episode of the Tradestreaming…
How today’s fund managers connect with interested investors — with Peter Hans
Jan 8, 2016 • 26 min
Imagine a world where regulation and compliance didn’t rule financial services with an iron fist. Ok, that’s never going to happen but certainly it’s fair to hope for an environment that makes it easier to market investments to high net worth investors.…
Top fintech stories of 2015
Jan 1, 2016 • 8 min
2015 was in many ways a watershed year for fintech. According to Pitchbook, it looks like 2015 will finish with close to $8 billion worth of venture capital invested in financial technology startups. To put that into perspective, there was $4.7 billion…
Why Blue Elephant’s Brian Weinstein left BlackRock to invest in marketplace lending
Dec 18, 2015 • 22 min
What would it take to get a managing director, managing a hundred billion dollars of fixed income assets at BlackRock, to jump ship to a start up asset manager? That’s the question I posed to Brian Weinstein, Chief Investment Officer of Blue Elephant…
Funding Circle’s Sam Hodges on scaling growth by navigating globally
Dec 11, 2015 • 19 min
Online lending is enjoying its moment. New platforms are launching monthly and raising hundreds of millions of dollars in debt and equity in a race to redefine how we borrow and from whom. And it’s not just a US phenomenon — Starting 5 years ago, Funding…
Western Union and WeChat: How to create a winning partnership between old and new
Dec 4, 2015 • 15 min
One of the themes we’re tracking here at Tradestreaming is the confluence of incumbent financial institutions with new technologies, platforms, and tools. When you look at some of the largest and oldest financial institutions, some are indeed embracing…
Xignite’s Stephane Dubois on providing stock market data to the fintech industry
Nov 27, 2015 • 27 min
Last week’s episode featured Vince Passione from LendKey — an innovative company turning offline lenders into online ones. In the rush to digital, we’re seeing pureplay fintech startups attempting their best to disrupt the industry. Others take a…
LendKey is turning top banks into marketplace lenders
Nov 19, 2015 • 27 min
As the interest in fintech and financial services in general continues to grow, there’s been chatter of an Uber-like disruption by the startups in the space. Our next guest, Vince Passione would beg to differ. He’s the CEO of LendKey which provides the…
Getting investors excited about stocks again with Stockpile’s Avi Lele
Nov 12, 2015 • 21 min
In a world of roboadvisors, index funds, and algo trading, investors have learned to cut costs and simplify their investing. In some markets, over 90% of all trading is done by machines and we know markets are moved by large indices, not retail investors…
Simply Invest Like a Hedge Fund — with Mike Kane
Apr 17, 2015 • 29 min
In the world of investing, there’s a lot of excitement around roboadvisors. These automated and cheap investment platforms, like Wealthfront and Betterment, are attracting billions of dollars. But, according to Mike Kane, there’s a big problem. Their…
Invest in franchises — with ApplePie’s Denise Thomas
Apr 9, 2015 • 26 min
Don’t know about you, but owning or investing in a franchise business has always captivated me. Something about local ownership, the brand, a business in a box. But minimum investments were typically too high and who really wants to run a small restaurant…
Invest In Small Businesses With Kickfurther’s Sean De Clercq
Mar 8, 2015 • 26 min
Many people have grown tired of passive investing. Sure, the data show that the more remove the human elements — our evolutionary biases — the better we perform in the stock market. But many investors are getting more and more excited about participating…
The online investing course — with Mesh Lakhani
Feb 22, 2015 • 31 min
It isn’t every day you stumble upon your doppelganger. Mesh Lakhani may very well be mine. He’s the investor and author behind the Future Investor Course (http://www.futureinvestor.co ), a great new course that teaches all about online investing tools…
Investing in Litigation Finance — with LexShares’ Jay Greenberg
Jan 3, 2015 • 20 min
LexShares (http://www.lexshares.com ), a new investing platform co-founded by Jay Greenberg, allows individuals to invest in litigation. Known as ‘litigation finance’, this form of investing hasn’t been available to a wide investor base but returns have…
Getting financial information in the margins — with Akash Kapur
Dec 23, 2014 • 18 min
I don’t know about you but some of the most heated investing discussion happen after a company (say, like, Apple) announce earnings. Investors pore over earnings filings in pursuit for valuable information to support — or refute — an investment thesis.…
FeeX: The Robin Hood of (Investment) Fees
Nov 17, 2014 • 28 min
Investment fees can literally suck hundreds of thousands of dollars out of your retirement accounts over your lifetime. What makes this even more aggravating is that as investors, we aren’t even aware of some of the fees we pay because fund managers have…
Getting good advice (finally) for your 401k — with Chris Costello
Oct 23, 2014 • 33 min
Why is it so hard to know what to do with your 401k? Why is it hard to understand what you’re invested in and get advice on how to improve it? Chris Costello, co founder of Blooom, joins Zack Miller on the Tradestreaming Podcast to discuss retirement…
Investing in quality real estate deals with just $100
Aug 18, 2014 • 23 min
Real estate crowdfunding is one of the hottest investments right now and Fundrise is leading the charge. Lead by co-founder Dan Miller, the firm recently chocked up a $38M investment round and many top real estate personalities participated. Why? Have you…
Investing in real estate via crowdfunding - with Realty Mogul’s Jilliene Helman
Jun 15, 2014 • 24 min
Crowdfunding is changing the way many people invest. Real estate crowdfunding, in particular, has seen massive interest as investors now have the opportunity to invest in some of the top properties in the world, alongside top institutional investors — all…
Investing in people with potential — with Upstart’s Dave Girouard
Jun 8, 2014 • 29 min
What if you’re a recent college grad with a computer sci degree and need to borrow money? (crickets) What if you’re an investor and would like to be able to loan to these (future) high performers? (Upstart…) Dave Girouard, co-founder and CEO of Upstart,…
Creating a new asset class of personal loans — with Lending Club’s Scott Sanborn
Jun 1, 2014 • 32 min
In 2012, Renaud Laplanche, founder and CEO of Lending Club, joined me on the Tradestreaming Podcast. So much has happened in the peer to peer lending space since then (including the fact that they no longer call it “peer to peer”): Lending Club just…
Powering the marketplace lending industry — with Matt Burton
May 25, 2014 • 24 min
This is the next instalment of our series on crowdfunding. Matt Burton, cofounder of the Orchard Platform joins me, Zack Miller, on the Tradestreaming Podcast. Crowdfunding is a huge, transformative trend in investing. Both individual and institutional…
Investing in students — with Pave’s Oren Bass
May 18, 2014 • 24 min
What do you get when you combine the college debt problem together with crowdfunding? An entirely new investable asset, that’s what. Oren Bass, co-founder of Pave.com, joins be to talk about how crowdfunding has created an entirely new type of investment:…
Investing in Distressed Mortgages — with AHP’s Jorge Newbery
May 11, 2014 • 30 min
The Internet is opening up all kinds of new investment opportunities that many of us didn’t have access to before. One way real estate investors have made lots of money over time was by investing in distressed mortgages. But for an individual to buy a…
Insider View: How Tadas Viskanta built a huge following and landed a top finance book publisher
Oct 24, 2013 • 56 min
Insider View: How Tadas Viskanta built a huge following and landed a top finance book publisher by Tearsheet
Building best ideas portfolios — with Kyle Mowery
Apr 21, 2013 • 32 min
Investors have always been taught that diversification is good — good for long term performance. But, there’s such thing as too much diversification. In a new paper, GrizzlyRock Capital’s Kyle Mowery discusses how investor performance is affected by being…
The Permanent Portfolio: How an entrepreneur invests — with Craig Rowland
Mar 11, 2013 • 23 min
As a successful entrepreneur, Craig Rowland knew how to take measured risks. He does the same now when investing his portfolio. In The Permanent Portfolio, Rowland describes Harry Brown’s famous strategy and why it’s so effective at helping him succeed in…
Investing with mind, body and emotion - with Bonnie Foley-Wong
Dec 11, 2012 • 29 min
Bonnie Foley-Wong is an entirely new type of investment advisor. Bringing together an integrated investing decision-making process that includes tapping into your emotion, intellect, and intuition, Bonnie helps investors take positions in private…
Making everyone an investor in rarities - with Susan Carpenter
Nov 19, 2012 • 21 min
Investing in fine art, collectible autos, and musical instruments used to be just a pipe dream for your average investor. But with the need to get uncorrelated diversification and a hot rarity market, retail investors haven’t given up. And now, Liquid…
Unleashing your inner investor — with Howard Reisman
Nov 12, 2012 • 23 min
Some of the best investing tools were born out of an individual’s personal needs. StockRover is that type of tool. Created by Howard Reisman as a solution to his investing research, StockRover is a tool for motivated individual investors developed by…
Build trading strategies without the need to code - with Rob Johnson
Oct 28, 2012 • 19 min
Have you wanted to test an investing strategy but lack the tools and programming knowledge to sufficiently see if it works? QuantBlocks (http://www.quantblocks.com ) was designed for you — build and test trading strategies without programming knowledge.…
Successful investment advice for retirement assets — with Brian Murphy
Oct 22, 2012 • 30 min
Getting good investment advice for your retirement portfolios isn’t easy and the industry doesn’t make an investor’s work any easier in this respect. Brian Murphy, CEO and Co-founder of Kivalia, has found a better way. Through an innovative use of…
Making investing smart and easy — with Folio Investing’s Steve Wallman
Oct 14, 2012 • 34 min
Steve Wallman’s Folio Investing was a pioneer in the online brokerage industry. Founded 12 years ago, Folio has built a very strong following for its innovative service and ease-of-use. Folio also does a ton of work with professional investment advisors…
Helping people make smarter financial decisions - with Michael Carvin
Sep 2, 2012 • 22 min
Decisions like buying a home trip up even the smartest minds. There are so many variables, so many moving parts - it’s real hard to wrap your mind around it. Today’s guest on Tradestreaming Radio (http://www.tradestreaming.com ), Michael Carvin, founded a…
Using social and crowdsourcing to make better investment decisions - with Alexander Wallin
Jul 22, 2012 • 22 min
Many investors know intuitively that making investment research more social SHOULD lead to better outcomes. The truth is, we’re just beginning to figure out how social media can impact investment performance…and a new firm, www.SprinkleBit.com is going to…
Investing in ideas - with Motif Investing’s Hardeep Walia
Jul 9, 2012 • 22 min
There’s no lack of good investing ideas. We all come across good, compelling investment themes in our work lives, at home, at the store. Where we struggle as investors is finding the appropriate investing vehicle to capture our ideas. That’s where Motif…
Investing in people with peer to peer loans - with Lending Club’s Renaud Laplanche
Jul 2, 2012 • 25 min
I have to admit: investing in peer to peer loans didn’t initially appeal to me. I thought it would be hard to assess the risk in lending to individuals — after all, that’s what banks get paid the big bucks for, right? But 5 years after Lending Club…
Winning strategies: Investing using policy as a guide - with James Juliano
Jun 10, 2012 • 40 min
A lot of investors claim they’re focused on the big picture. Others give lip service to their focus on “the long term”. James Juliano, partner and portfolio manager at Kairos Capital Advisors, walks the walk. He and founder of the firm, Russell…
Building the Google for financial products - with Uri Kartoun
Jun 4, 2012 • 35 min
There aren’t a lot of really innovative search technologies for investors. That’s changing — researchers and entrepreneur are looking at unique ways to classify financial product data on mutual funds and ETFs. That means it gets easier for us to identify…
Powering the next generation of financial apps - with Yodlee’s Joe Polverari
May 29, 2012 • 23 min
Yodlee’s been aggregating financial information and data for 11 years now, powering some of our favorite financial apps. Now, the firm is getting aggressive about powering the next generation of fintech apps and platforms. Chief Strategy Officer, Joe…
Become an indomitable investor — with Steven Sears
May 20, 2012 • 33 min
To build and protect wealth, Investors don’t need another get-rich-quick scheme. Instead, look at history’s best investors to understand the basics of investing, the players in the market and their different priorities, what works and what doesn’t, and…