Tearsheet Podcast: Exploring Financial Services Together

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. 47 percent of professionals in the US are considering investing in and launching embedded finance offerings. That’s according to a new report produced by Plaid and Accenture Research. A majority of non-financial companies are using partners, buying, or licensing technology as part of an embedded finance strategy. Plaid’s...

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on the interplay between banks and fintechs. We no longer view them as diametrically opposed. With new embedded finance and banking as a service technology, banks and fintechs can work together to serve customers better. Banks and fintechs can collaborate to...

The following was produced by Tearsheet Studios. We worked with crypto brokerage Paxos to create a podcast series about the mainstreaming of crypto, the genesis of Paxos, the rise of stablecoins, and crypto’s energy and environmental impact. We’ve reached a point in history where there are no longer two distinct financial systems: the incumbent financial system and the world of blockchain and cryp...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Today’s guest on the program is Amit Parikh, executive vice president of its banking as a service (BaaS) division. In this role, Parikh will lead the organization responsible for delivering end-to-end technology and program management to Green Dot’s banking as a service partners, and building financial ecosystems for som...

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller. One of the things I find so interesting about JPMorgan Chase is its ethos of being an underdog in spite of having 56 million digitally active customers on its website and mobile app. The firm is actively developing and rolling out new functionality with a frequency that belies its size. Today’s guest on the show is Allis...

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller. As an early PayPal employee, Oded Zehavi jumpstarted the firm’s Middle East and Africa business. From there, he joined Payoneer to help with a turnaround by optimizing sales, product and marketing. Now, Oded is the CEO and co-founder of Mesh Payments, a corporate payments firms that uses a speciality in helping firms man...

The following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising importance of employment data and how lenders, banks and fintechs are using this data to make financial products available to more people, solving some of the challenges with today’s financial services. Thanks to rapid technological advancements, everything we...

Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller. An important theme we’ve covered has been the rising availability of earned wage access solutions. As more workers engage in the gig economy, fintech and payment solutions are emerging that help people access their wages as they earn them, instead of waiting for a monthly or bi-weekly pay cycle. Payfare is one of those c...

The following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising importance of employment data and how lenders, banks and fintechs are using this data to make financial products available to more people, solving some of the challenges with today’s financial services. Good fintech solutions address the status quo of who gets...

Welcome to the Tearsheet Podcast. I'm Tearsheet Editor in Chief, Zack Miller. OppFi is a fintech platform offering financial products to most Americans. The business was built on a core small-dollar monthly installment loan product for near prime customers. As it goes public, OppFi is expanding its product set into credit cards and payroll deduction products serving consumers with FICO scores unde...

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. When you look at investment behavior, people are more likely to invest in things family and friends invest in than they are to follow professional advice. That’s why there have been an infinite number of social investment platforms created that allow investors to copy one another. But when it comes to investing in real e...

T>he following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising importance of employment data and how lenders, banks and fintechs are using this data to make financial products available to more people, solving some of the challenges with today’s financial services. A fintech CTO’s job is wide and varied. Building a secur...

I’m Zack Miller, editor in chief of Tearsheet. The following was produced by Tearsheet Studios. We worked with employment data platform Argyle to create a podcast series about the rising importance of employment data and how lenders, banks and fintechs are using this data to make financial products available to more people, solving some of the challenges with today’s financial services. The nature...

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. This article was sent out to subscribers to EarlyStage, Tearsheet’s newest newsletter. With EarlyStage, we go deeper on some younger companies that point to trends, products and services, and entrepreneurs that should be on your radar screen. Into a sea of sameness, new challenger banks are launching left and right. More...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Revenue based financing is quickly becoming a popular route for businesses to tap into needed capital. Structured like a loan and not equity, new financing firms are using this new/old type of financing to help all types of businesses to scale. ClearCo brands itself as the world’s largest ecommerce investor. It’s fresh o...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. The journey from screen scraping consumer financial data to API, permissioned access continues. U.S. Bank recently announced a partnership with technology partner, Plaid. Gareth Gaston from U.S, Bank and Ginger Baker from Plaid join us to talk about the recently announced integration between the two around consumer finan...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Corporate credit card firm Ramp is hot off a big fundraising making it one of the youngest firms to reach billion dollar valuation status in history having launched in February 2020. Eric Glyman, Ramp’s co-founder and CEO, joins me on the podcast to talk about how Ramp’s positioning to help its business clients spend les...

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. Money continues to pour into the space. From IPOs to large venture rounds to SPACs, there’s a lot of liquidity sloshing around. And yet, there are still lots of opportunities. JAM FINTOP Banktech is a $150 million investment fund, looking to deploy capital into tech firms serving community banks around the US. What’s rea...

Hari Gopalkrishnan is the Client Facing Platforms Technology executive for Bank of America Merrill. He’s responsible for leading the development of the next generation of integrated technology solutions for the company’s consumer and wealth management client-facing channels. He also manages the bank’s websites and e-commerce initiatives. Hari joins me on the podcast to talk about Erica — the firm’...

The following was produced by Tearsheet Studios in partnership with small business lender BlueVine. It's Small Business Week, and BlueVine really wanted to highlight how it's helping small businesses, particularly around the paycheck protection program. Today, we're happy to have two guests with us: First, Eyal Lifshitz, CEO of BlueVine. Eyal is a third-generation small business entrepreneur who c...

The following was produced by Tearsheet Studios. We worked with Wave, a financial software company for entrepreneurs and small businesses, to create a three part podcast series on what micro businesses and solopreneurs really need now from their banks, financial service providers, and financial software. Personal finance app Mint inspired a lot of things. As an early fintech, it showed users the p...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Smaller community banks and credit unions have an opportunity to differentiate and compete in payments. Unfortunately, many smaller FIs haven’t formulated a succinct strategy. It’s a good time to do it — there are technologies and tools out there to help them service their customers better. Tede Forman is Jack Henry’s he...

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on how embedded finance and banking as a service is changing the definition of who is a bank, where customers turn for banking products and services, and how it is helping some of the weakest players in the economy get access to the modern financial industry....

I’m Zack Miller, editor in chief of Tearsheet. The following was produced by Tearsheet Studios. We worked with Wave, a financial software company for entrepreneurs and small businesses, to create a three part podcast series on what micro businesses and solopreneurs really need now from their banks, financial service providers, and financial software. It’s never a simple time for small business own...

The following was produced by Tearsheet Studios. We worked with Wave, a financial software company for entrepreneurs and small businesses, to create a three part podcast series on what micro businesses and solopreneurs really need now from their banks, financial service providers, and financial software. One of the things that’s got me really interested in fintech was hearing founders’ own stories...