Tearsheet Podcast: The Business of Finance

Tearsheet Podcast: The Business of Finance

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The homepage of the finance industry


Inside the Techstars and Western Union Accelerator
Oct 22 • 24 min
Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. When Western Union formally began building out its connection to the fintech community, it partnered with Techstars, a well-respected accelerator in Boulder, Colorado. The…
‘Adding Betterment, we’re targeting 200M Powered By customers by end of 2021’: Dosh’s Ryan Wuerch
Oct 20 • 20 min
Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. As challenger banks expand their capabilities, many with debit and credit cards are adding in rewards as a way to service their customers. Dosh gives millions of users cash…
Diebold Nixdorf’s Simon Powley on the integration of physical currency and digital tools
Oct 19 • 24 min
Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. As we’ve discussed many times on the podcast, the pandemic has accelerated a lot of digital trends that were already underway before COVID-19 hit. There’s been a big push away…
‘Voice reduces the steps to do the things you want to do’: Clinc’s Jon Newhard
Oct 16 • 26 min
Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. Eighteen months ago, there was a lot of talk around voice and the possibilities of using human speech as a new automated channel in financial services. There’s less talk now…
PPRO’s Steve Villegas on how COVID is impacting local payment behavior
Oct 12 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. Today’s guest is Steve Villegas, vp of payment partnerships in North America for PPRO. He works with acquirers and payment service providers to give them a single integration…
‘Design a good CX for subscriptions and the revenue will pour in’: Ingenico’s Andrew Monroe
Oct 11 • 19 min
Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Many people know Ingenico as a manufacturer of payment terminals. Over years, the company has acquired firms in the digital payment processing space. Our guest on the podcast…
‘Banking enables us to play a bigger role in our customers’ lives’: Stash CEO Brandon Krieg
Oct 8 • 22 min
Welcome to the Tearsheet Podcast. I’m editor in chief, Zack Miller. Challenger bank Stash is rooted in helping most Americans invest and build wealth, $5 at a time. The company has grown a lot this year. Co-founder and CEO Brandon Krieg joins me on the…
BlueVine’s new CMO Patrick Adams on the potential of getting SMB banking right
Oct 7 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. BlueVine’s roots are in digital lending to small businesses. Beginning with a factoring product, the company moved into lines of credit. And when PPP rolled out at the beginning of the pandemic, the…
Outlier Briefing: Best practices in digital onboarding with Ted Brown
Sep 30 • 4 min
Welcome to Tearsheet’s Outlier Briefing. This subscriber-only event is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. Today’s expert is Ted Brown. He’s…
Inside the FIS fintech accelerator
Sep 21 • 27 min
FIS accelerator/Stratyfy Welcome to the Tearsheet Podcast. I’m Tearsheet editor Zack Miller. We’ve spoken to a lot of innovation program execs on this podcast. From corporate venture investing to accelerator programs, traditional FIs, in various ways, are…
Payoneer’s Charles Rosenblatt: ‘We found a way to play on both sides of the market’
Sep 13 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller, editor at Tearsheet. There’s still significant friction dealing with international transactions. Payoneer is a pioneer in the space of helping people and businesses transact across currencies. Charles…
Inside Shopify’s financial services strategy
Sep 11 • 20 min
The convergence of retail and financial services is being led by large platforms that help merchants seamlessly reach customers online and offline. Indeed, embedding financial services within commerce platforms helps them unlock additional value from…
Outlier Briefing: Infosys’ Jay Nair on preparing for the day after the pandemic
Sep 8 • 5 min
Welcome to Tearsheet’s Outlier Briefing. This subscriber-only event is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. Today’s guest is Jay Nair, who leads…
Zest AI’s Mike de Vere: ‘You don’t have to give up economics to be more fair’
Sep 8 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. When the pandemic hit, lending models didn’t catch up quickly enough. Machine learning, like the kind Zest AI has developed, moved quicker, helping lenders to figure out how quickly things were…
BMO Harris’ Niamh Kristufek on empowering women in fintech
Sep 1 • 31 min
Welcome to the Tearsheet Podcast. I’m Zack Miller, editor in chief at Tearsheet. Niamh Kristufek is the head of US business banking at BMO Harris Bank. Her team services about 2 million small businesses with products, digital capabilities and experiences…
PayEm provides credit cards and software for companies to better manage their corporate spend
Aug 26 • 23 min
For a space as big as commercial cards, there are still so many opportunities to make a difference for startups. This is Tearsheet’s Early Stage podcast and I’m Zack Miller, editor in chief of Tearsheet. Here’s where we drill down on up and coming fintech…
‘Everything is changing’: Edward Jones’ CIO Frank LaQuinta on the modernization of brokerage
Aug 19 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Online trading platform Robinhood just raised more money at a valuation over $11 billion. Traditional brokerage firms are keenly aware of what’s going on and they’re also undergoing their own dance with…
Challengers 15: Varo gets a charter, Monzo’s on the edge, and Intuit enters banking
Aug 16 • 20 min
In this episode of The Challengers, Josh Liggett and Zack Miller explore what Varo Money getting a national charter might mean for the firm and for the challenger banking industry. We compare Monzo, which recently warned about its survivability, and…
Neocova’s Raymond Chandonnet: ‘It’s an amazing time to be thinking about tech and community banks’
Aug 11 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We don’t talk enough about community banks on the podcast. Coming in to the COVID crisis, community banks lagged large banks and fintechs in technology. But when you look at what’s happened over the past…
Citizens Bank’s Beth Johnson: ‘Personal interaction remains important to customers’
Aug 10 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Consumer behavior was already changing before COVID hit. When you ask financial services executives, may will tell you that COVID is acting to accelerate those trends. Beth Johnson, chief experience…
WePay’s Jennifer Parker: ‘We’re seeing inspiring early pivots with software firms and marketplaces’
Aug 6 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. WePay provides payment solutions for platforms like marketplaces and software firms. The Chase-owned company provides payment APIs to firms like Eventzilla, Meetup and TouchBistro. Chief revenue officer…
Afterpay’s Laura Nadler on expansion plans in the U.S.
Aug 4 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Afterpay is one of the fastest growing buy now, pay later firms in the world. Based out of Australia, the fintech has recently expanded into the US and is planning to expand to Canada soon, as well.…
Galileo’s Clay Wilkes on launching Galileo Instant
Aug 2 • 20 min
A few weeks back, payments API firm, Galileo launched Instant, which dramatically simplifies and accelerates launching a debit card — taking what can be a multi-month process and turning it into a couple of weeks. Galileo claims it had hundreds of…
Earnest’s David Green on student lending in the current economic environment
Jul 31 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Student lending is undergoing a significant transformation. Earnest Earnest has refinanced over $10 billion for over 124,000 people, helping them pay off their debt and giving them the financial capital…
Outlier Briefing: MBLM’s Rina Plapler on improving brand intimacy in financial services
Jul 30 • 4 min
Welcome to Tearsheet’s Outlier Briefing. This subscriber-only content is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. Rina Plapler has been working in…
Upstart’s Paul Gu: ‘AI is a mindboggling change in the economics of lending’
Jul 28 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Artificial intelligence in finance has long been overhyped, but AI is making an impact in lending decisions. Online lender Upstart exemplifies how the set of technologies can expand lenders’ inclusiveness…
FIS’ Nicole Jass on helping SMBs with new products during this crisis
Jul 28 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. SMBs have taken it on the chin during this crisis. Nicole Jass, senior vice president of small business and fraud products at FIS joins us to discuss how small business needs have changed and how FIS has…
Broadhaven Ventures’ Michael Sidgmore on global trends in embedded finance
Jul 20 • 29 min
A global perspective on fintech helps Broadhaven Ventures cross-pollinate customer experience best practices from the U.S., Europe, Latin America and Asia. Today’s guest is Michael Sidgmore, who is a partner at Broadhaven Ventures, a venture capital fund…
Inside Betterment’s move into banking with President of Retail, Mike Reust
Jul 19 • 25 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. A lot of monoline financial firms look a lot like banks nowadays. Rebundling, as we like to call it in the industry, is happening. You don’t need to look further than Betterment, a fintech firm whose…
Deep Dive: Chatbots and conversational AI struggle to keep up during pandemic
Jul 16 • 12 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Call volumes into banks have gone up 10x during the pandemic. Wait times have been hours at the peak of the crisis. Chatbots and other forms of conversational AI have been deployed to help. But they’re…
Pindrop’s Vijay Balasubramaniyan on how top bank call centers are navigating the COVID crisis
Jul 14 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. When COVID hit, call volumes surged. Customers were calling their banks and financial institutions out of fear. Banks had to scale this volume while simultaneously transition their customer service staff…
Investing in diverse early stage teams with head of Launch with GS Jemma Wolfe
Jul 12 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Todays’s guest is Jemma Wolfe. She’s the head of Launch with GS, Goldman Sachs’ $500 million investment strategy in funding early stage companies built by diverse teams. Through Launch With GS, Goldman is…
Wealthfront’s Chris Hutchins on checking accounts and self-driving money
Jul 9 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. As fintech matures, many of the early pioneers in the space are realizing how important it is to become a user’s primary account. Wealthfront, which began as a robo-adviser, looks a lot like a bank…
Jud Linville, ex-CEO of Cards and Consumer Services at Citigroup, takes on fintech
Jul 7 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest is Jud Linville. Jud has decades of experience in financial services and payments, heading up Citi Cards and American Express’ consumer services. He’s now a senior advisor at investment firm…
Square’s David Rusenko discusses the effect of COVID-19 on Square’s ecommerce plans
Jul 6 • 21 min
Welcome to the Tearsheet Podcast. I’m Suman Bhattacharyya. As merchants face new obstacles amid COVID-19 and shelter-in-place mandates, Square is working to smooth their transition to digital. Today’s guest is David Rusenko, Square’s head of e-commerce.…
Unconventional Ventures’ Theodora Lau: ‘We can do better and we have the technology to do it”
Jul 1 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest is Theodora Lau, the founder of Unconventional Ventures. When you listen to her, Theo challenges the industry to do better. Instead of producing another colored metallic debit card, she’d…
Yieldstreet’s Michael Weisz on the pandemic’s impact on digital wealth management
Jun 30 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. A few years back, and the term ‘crowdfunding’ was pretty popular in fintech circles. We do’n’t really use that jargon anymore and many of the biggest players have naturally matured into digital wealth…
Qolo’s Patricia Montesi on launching a payments company during the pandemic
Jun 26 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller Launching a new firm in the face of this global crisis takes fortitude. Timing couldn’t be worse. Or could it? Demand for different types of digital payments is ramping. That’s the space Qolo…
Fattmerchant wants to turn software firms into payments companies
Jun 24 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. There are so many fees in the credit card processing market. Fattmerchant, which started almost a decade ago, set out to simplify things with the market’s first subscription, all you can eat, pricing for…
On Deposit Solutions’ launch in the U.S. with CEO Philipp von Girsewald
Jun 21 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Deposit Solutions has an open banking solution that connects customers and banks. Working in 20 European countries, the company has 30 million depositors on the platform with €25 billion in deposits. Now,…
Current’s Stuart Sopp on building a bank with customers’ best interests in mind
Jun 21 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. When you talk to the founders of many of the leading challenger banks, you sense that they each have a touch of revolutionary in them. They see the present financial services system as broken — some more,…
As its new bank offering scales, Credit Sesame acquires Canadian challenger bank Stack
Jun 16 • 18 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. In March, Credit Sesame debuted its banking offering, Sesame Cash. Since then, more than 200,000 customers have signed up, with thousands of new accounts per day, putting Credit Sesame among the fastest…
Outlier Briefing: How the Remittance Rule impacts pricing with TransferWise’s Nick Catino
Jun 15 • 3 min
Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. To get access to the full audio and…
How Sunrise Banks and Anvil onboarded $134M in PPP loans for 1600 SMBs in 5 days
Jun 14 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. The PPP government aid program in the US continues to put a strain on the banking sector. We’re hearing an increasing number of stories of how traditional institutions are partnering with fintechs to…
After being acquired by SoFi, Galileo’s Clay Wilkes looks out to a busy future
Jun 14 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. One of the most exciting stories of this generation of fintech firms is Galileo. Recently acquired by SoFi for $1.2 billion, Galileo now provides the payments and banking backbone via APIs to many of the…
On navigating digital banking though the crisis with Finacle’s Rajashekara Visweswara Maiya
Jun 11 • 28 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Banking systems were put to the test, surviving the impact of the current pandemic. In many cases, this crisis accelerated digital transformation programs. There is increased demand for digital solutions…
Deep Dive: Small businesses increasingly turn to small banks and fintech
Jun 9 • 12 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Small business demand fo government relief is at record levels. Bigger banks, for the most part, have forsaken SMBs. Smaller banks and fintechs have emerged to service small and medium businesses with…
A chat about challenger banking in the US with Revolut’s US CEO Ronald Oliveira
May 28 • 30 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest is Ronald Oliveira, the U.S. CEO of challenger bank Revolut. Ron has a lot of experience in the traditional side of banking as he takes over the reins for the European fintech’s efforts…
How Finlocker and Fiserv enhance data, lower costs, and increase throughput for mortgage originators
May 27 • 24 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’ve got an interesting episode teed up for you today. It’s a case study with Finlocker and Fiserv. Finlocker is a super app that integrates with banks and other financial institutions to enable loans…
Plaid’s Niko Karvounis: ‘Connectivity is a foundational element of digital finance’
May 26 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Data aggregation and connectivity firm Plaid recently announced Exchange, its open finance platform that allows banks and other financial institutions to share their customers’ data via a single API…
Mastercard’s James Anderson on simplifying B2B payments, launching Track Business Payment Service
May 21 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Commercial payments are a huge opportunity. They’re antiquated — checks are still very popular in the U.S. — they’re complicated, and they’re huge, worth hundreds of trillions of dollars. Mastercard’s…
N26’s Nicolas Kopp on getting to 250,000 users in 5 months in the U.S.
May 20 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. N26 was the first foreign challenger bank to launch in the U.S. When you speak with CEO Nic Kopp, you know it was no simple feat. Now, five months in the market, Kopp joins us on the podcast to discuss…
Challengers 14: N26 raises war chest, the rise of digital private banks, and the future of Green Dot
May 14 • 20 min
On this episode of The Challengers Podcast, Zack Miller and Josh Liggett talk about the extension financing round some of the larger challenger banks are announcing. N26, Revolut and Judo all added to their war chests as they, and their investors, prepare…
Tearsheet’s DataDay Conference Preview: Hossein Rahnama, Flybits
May 14 • 3 min
Flybits’ Hossein Rahnama is one of our speakers at DataDay, the first-of-its-kind conference on financial data. Consumer data, data ecosystems, and data aggregation is changing the face of modern financial services. Join Adam and speakers from Plaid,…
Outlier Briefing: The emerging use cases for AI in financial services with Emerj’s Dan Faggella
May 11 • 8 min
Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. I’m Zack Miller, editor in chief at…
Envestnet I Yodlee’s Brandon Rembe on the move to hyper-personalization
May 5 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Consumers increasingly expect higher levels of personalization from their financial services providers. Whether it’s from a challenger bank or Bank of America, people are used to Netflix-level of…
Rapyd’s Eric Rosenthal on taking fintech-as-a-service global
Apr 30 • 29 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. If you’re a retailer or a new challenger bank, it just doesn’t make sense anymore to build out payments infrastructure when you have firms like Rapyd out there. Eric Rosenthal, Rapyd’s managing director…
OakNorth’s CIO Sean Hunter on how banks can excel in disbursing government assistance
Apr 28 • 19 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. The current COVID-19 crisis presents a massive challenge to the financial industry. And like every crisis, it also presents an amazing opportunity to service customers in an entirely new way. In the US,…
Outlier Briefing: The march towards digitization with Publicis.Sapient’s David Donovan
Apr 23 • 3 min
Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. To get access to the full audio and…
Symphony’s David Gurlé on enterprise communication and collaboration in financial services
Apr 22 • 22 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. From Skype to Thomson Reuters, David Gurlé has sat on the cutting edge of enterprise communications for two decades, in 2014, David founded Symphony, a communication and collaboration platform for…
CEO Brady Harris on the future of Dwolla, ACH, and payments
Apr 21 • 21 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Dwolla’s new CEO Brady Harris joins me on the podcast. He’s been in the payments industry long enough to see the real opportunity for B2B payment players and how the space has evolved over time. We talk…
Advancing women in fintech with Ocrolus’ Nicole Newlin
Apr 19 • 17 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest is Nicole Newlin. She’s the vp of solutions at Ocrolus, which provides fintech infrastructure for data analysis. She runs the team that handles client onboarding and integration. She’s also…
Building a challenger bank with lending at its heart with Upgrade’s Renaud Laplanche
Apr 19 • 20 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. When we launched our podcast 10 years ago, one of our first guests was a French entrepreneur living in San Francisco. He had a small but upwardly aspirational startup. Renaud Laplanche’s Lending Club…
Outlier Briefing: Financial brand management with Landor’s Louis Sciullo
Apr 17 • 3 min
Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. To get access to the full audio and…
Deep Dive: An exploration into the changing world of push payments
Apr 15 • 15 min
Sara Toth Stub joins editor Zack Miller on a Deep Dive podcast to discuss a recent article she wrote on push payments. In It’s a simple idea with Extraordinary impact: Inside the growing world of push payments, Sara describes what this form of payment is,…
Nomis’ Prashant Balepur on bringing data science to bank pricing strategies
Apr 12 • 23 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. Before COVID-19 hit, we spent a lot of time talking about the competitive environment for bank deposits. Every week, an incumbent or new challenger bank was making high rate offers in order to attract new…
Behind new challenger bank HMBradley’s launch with Zach Bruhnke
Apr 7 • 26 min
Welcome to the Tearsheet Podcast. I’m Zack Miller. There’s a sea of sameness out there in digital offerings. Challenger banks seem to provide, more or less, the same services and products. They’re debit cards attached to a personal finance manager.…
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…