Tearsheet Podcast: Exploring Financial Services Together

Patch is an API-based solution enabling companies to embed carbon footprint estimation and removal directly into their digital products and experiences. Today I’m talking to its CEO Brennan Spellacy to tell us how Patch works, as well as his insights on the whole carbon offsetting market, which has grown tremendously over the past few years, attracting a lot of interest. While it’s not a central s...

The following was produced by Tearsheet Studios in partnership with embedded finance platform Helix by Q2. In our conversation with Ahon Sarkar, GM of Helix, we talk about what it takes for companies to succeed in offering Banking as a Service today. We break down all the important questions they must ask themselves, like: How to make sure your company should even be thinking about doing banking;...

Today we’re talking about crypto lending – many crypto holders out there don’t plan on spending it or cashing out, and now they can earn pretty high yields on their crypto assets, which baffle many folks in traditional finance. My guests today are Matt Ballensweig, managing director and co-head of trading and lending at Genesis, and Shannon Allmon, General Manager of Retail at BlockFi. Genesis and...

Today’s episode is about building financial literacy, both as a solution to a financially stressed America, and as a medium for branding and marketing. A few fintechs do this well, and Stash is one of them. Stash is a personal finance app that aims to make investing accessible to the 99% (of Americans). And to get people investing, they need to first understand the basics of their financial pictur...

Welcome back to the Power of Payments podcast. I’m your host Ismail Umar, and in today’s episode, we discuss how digital payments are making it easier for young consumers to overspend, and how the global microchip shortage is affecting the payments industry. We also talk about Revolut’s first venture into in-store payments with the Revolut Reader, as well as recent research from Marqeta that shows...

My guest today is Mathias Wikstrom, CEO of Doconomy. Doconomy provides data services that help businesses monitor and assess their environmental footprint based on transactional and financial data. Consumers can find out the footprint of their lifestyle choices, brands can calculate their product’s footprint. And they’re also working to develop a tool that enables banks to aggregate the informatio...

Today we’re talking about how banks are digitizing their commercial lending operations. If consumer lines took the front seat when it comes to innovation and digitization, commercial lines have been waiting quietly in the backseat but are now next to be brought forward with the latest technologies and underwriting efficiencies. My guests today are Dan O’Malley, CEO of Numerated, a SaaS digital loa...

Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. I find it fascinating to hear how some of the largest FIs handle emerging technologies. Fidelity, for example, has the Fidelity Center for Applied Technology, where it tests and assesses new tech, like the metaverse and blockchain. It’s almost like Fidelity’s skunkworks R&D arm. Today on our program I have Adam Schouel...

Welcome to the Power of Payments podcast. I’m your host Ismail Umar, and as you’ve probably noticed by now, we decided to do a rebrand! We think this new title for the podcast is shorter and snappier, and it also matches the name of our upcoming Power of Payments conference, which will be Tearsheet’s first conference on payments, as well as our first-ever in-person event. It’ll be held in New York...

Welcome to the Tearsheet Podcast. I'm Zack Miller, Tearsheet's editor in chief. For this episode, I’m joined by Darren Parslow, global head of Visa Business Solutions.  Darren and I chat about the innovation in the B2B payments space over the last few years. We discuss how Visa helps SMBs enhance their money flow operations. Lastly, we look to the future and I ask Darren what advice he would give...

On today’s episode I’ve got the pleasure of speaking to a company I’ve been fangirling over for quite a while (who even fangirls over a company in the financial space? but it’s true). When I first heard of Earnin, a simple Google search led me to their many Facebook groups featuring a huge community of everyday people sharing their financial struggles and supporting one another in ways big and sma...

Today we’re talking about banks and their role in the climate crisis. Big banks historically supported the global fossil fuel industry through massive amounts of funding, and now they’re being pressured to change. To help me unpack this I’ve called Chris Skinner, a financial technology expert, global commentator, bestselling author of multiple books and the website The Finanser. Chris is out with...

Banks and fintechs are looking to improve their lending operations - and increasingly, this means focusing on their customer relationship, while leaving the math to external partners. These partners offer lending software-as-a-service, and that's what we'll be talking about this episode. Joining our conversation we have Adam Huges, who’s the CEO of Amount and Rohit Mittal, the chief executive of S...

Welcome to the Tearsheet Podcast. Tearsheet's Iulia Ciutina and Rebecca Cohen both traveled to Money 20/20 Europe earlier this month. They sat down with editor Zack Miller to discuss what they saw, learned, and experienced.

Welcome back to Power of Payments. I’m your host Ismail Umar, and in today’s episode, we talk about Klarna and the future of BNPL, PayZen’s ‘Care Now, Pay Later’ solution, and Mastercard’s recently announced ‘Smile to Pay’ system.

On today’s episode, I’m speaking with Scott Goodson, founder and CEO of StrawberryFrog, a marketing agency that works with some of the largest financial brands in the industry. I invited Scott to talk to us about his recent book: Activate Brand Purpose: How to Harness the Power of Movements to Transform Your Company. Ultimately, though, our conversation ended up covering much more: doing marketing...

Green finance is not just about investing in clean energy or carbon sequestration. The core of the problem is sustainability - how to create financial systems that enable people to thrive over the long term. A lot of the focus today goes to the E in ESG investing, which represents the environmental factor, and the latter two parts - Social and Governance - are often overlooked. Today I’d like to e...

Today we’ll be talking about the small and medium sized business sector and how it’s becoming increasingly supported by digital lenders. Securing loans from traditional banks is very tough for SMBs – it’s a long and complicated process and it’s not that likely they’ll get the cash they need – only 15% of small business applications get approved at big banks, for example. This is another reason why...

Today’s guest is Nikhil Behl – the CMO of FICO. FICO was founded way back in 1956, making it one of the oldest standing firms in the financial industry. Today we’ll talk about how it manages to keep its relevance and purpose in today’s world. Every American knows about FICO scores, and most of us are usually confused, and potentially worried, by our three-digit score. But it wasn't meant this way....

Green finance is all about what the finance industry is doing to address climate change - we know business as usual isn’t sustainable, so we are essentially in the middle of a transition towards reaching net zero. But this is not an easy thing to do, it involves collaborations between many institutions, companies and people - so let’s talk about how to get there. In light of this, my very first gu...

Hi everyone - this is Where Credit’s Due - Tearsheet’s podcast covering the latest trends in lending. I’m your host Iulia Ciutina, senior reporter at Tearsheet, welcoming you to our very first episode. Today we’ll be discussing how fintechs are helping immigrant communities to get access to credit, speaking with the chief executives of Nova Credit and Tomo Credit, Misha Esipov and Kristy Kim. As c...

Welcome back to Power of Payments. I’m your host Ismail Umar, and in today’s episode, I’m joined by Brian Dammeir, president of North America at Adyen. Adyen is an Amsterdam-based firm that allows businesses to globally accept, process, and settle ecommerce, mobile, and point-of-sale payments. It acts as a payment processor for some of the biggest brands across tech, retail, travel, restaurants, a...

Today’s episode is about Oxygen’s campaign for mobile banking provider Elements. Elements is Oxygen’s multi-tier debit card loyalty program, and its campaign brought about a new face to Oxygen at large. To delve into the thinking and execution behind Elements, I have with me today Oxygen’s SVP, head of business development and strategic partnerships Ryan Conway, and creative director Sani Gad.

In our latest case study, we spoke with Intuit Mint and ApexEdge about their enabling better money decisions, and financial wellness. Listen to our conversation with Steven McKean, co-founder and CEO at ApexEdge, and Varun Krisha, SVP and head of consumer finance at Intuit Mint about building and launching a partnership that takes PFM further.

Welcome to episode 18 of Tearsheet’s Banking Podcast). Zack Miller, Tearsheet’s editor in chief, and Josh Liggett, investment team principal at OurCrowd, are your hosts. In this episode, we’ll discuss: How a bad market might impact fintechs: Stock prices are down massively, for both newly minted public fintechs and for those operating in the market for years. Zack posits that the rebundling trend...