Tearsheet Podcast: Exploring financial services together

This following is part of a new series we’re running. It’s called the Big Bank Theory, and it’s all about the future of banking. We see three options going forward: in the march towards digital, people will gravitate towards the digital arms of incumbent banks, give their business to new upstart challenger banks, or the biggest opportunity, which is to bank with the brands they love. The following...

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. The world of embedded finance, and Banking as a Service in particular, are made up of three pillars: banking, product, and platform. To make a truly good BaaS product, each one should be delivered by its own expert...

Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller. This following is part of a new series we’re running. It’s called the Big Bank Theory, and it’s all about the future of banking. We see three options going forward: in the march towards digital, people will gravitate towards the digital arms of incumbent banks, give their business to new upstart challenger b...

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. While we use the term challenger bank to refer to many of today’s top competitors in digital banking, the truth is very few are actually chartered banks. They are a user experience layer on top of an incumbent bank’s infrastructure. Not Piermont Bank. Started in 2019, Piermont is a fully chartered commercial bank. It u...

Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller. This following is part of a new series we’re running. It’s called the Big Bank Theory, and it’s all about the future of banking. We see three options going forward: in the march towards digital, people will gravitate towards the digital arms of incumbent banks, give their business to new upstart challenger b...

What it would take for FIs to embrace DeFi by Tearsheet

The following was produced by Tearsheet Studios. We worked with Fiserv, a financial services technology company, to create a four part podcast series on the role and changing nature of data aggregation in the financial industry. You can read and listen to the first episode on the Tearsheet website. In this episode, we spoke with Paul Diegelman, VP of Fiserv side by side with the president and COO...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I’m excited to share with you some news about our upcoming online conference, The Big Bank Theory. This year, we’ve combined two of our tent pole events: Challengers and Embedded into a single event, November 10-12. We’ve assembled the top companies and professionals creating and scaling this generation and next generati...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. During the pandemic, many for-profit companies and startups started creating digital tools to help people manage and save their money -- things like getting access to products and services that support their financial health, like financial coaching. At the same time, underserved and low-income consumers -- typically lef...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Twilio sits behind the scenes of today’s slick onboarding and login experiences. The tech firm gives its customers the ability to embed communications into their offerings. Twilio’s few lines of code help with two factor authentication -- where you receive an SMS to your phone after logging into an app or website, all th...

Nigel Vaz, CEO of Publicis Sapient, is our guest today on the Tearsheet Podcast. As the head of a multinational organization working with top financial services brands like Goldman Sachs and Bank of America, Nigel has seen digital transformation up close. He's written a book about it, too -- Digital Business Transformation: How Established Companies Sustain Competitive Advantage From Now to Next....

The following was produced by Tearsheet Studios. We worked with Fiserv, a financial services technology company, to create a four part podcast series on the role and changing nature of data aggregation in the financial industry. Data is the foundation of the financial system, making the smooth aggregation of it an imperative task. It means streamlining the sum of an individual’s financial life int...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. On the podcast and on our site, we’ve explored the world of employment data that’s opening up -- it’s opening up to allow new forms of lending and financial services that use employment data as a major input. So, imagine a lender wanting to loan money to an Uber driver who doesn’t have a traditional income source. But wh...

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. Partnership with fintechs through Banking as a Service has given financial institutions an opportunity to capture new markets and revenue opportunities. The success of this partnership depends on each side bringing...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. As humans, we’re just not wired to save money well. And over the years, creative financial institutions have figured out ways to incentivize saving with chances to win money. Prize-linked savings has been a mainstay in the UK and is the largest form of savings. In the US, challenger bank Yotta offers periodic chances for...

One of the major challenges in scaling digital finance solutions is handling old school paper. Even with all the automation and digitization, documents still need to be processed and in many cases, humans need to be looped in. Sam Bobley is the co-founder and CEO of Ocrolus, which works with firms like BlueVine, Brex, and PayPal to analyze financial documents in any format. Sam joins me on the pod...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Listening to Sammy Rubin and it’s hard not to feel his infectious excitement about his firm YuLife. He’s taking the humdrum of life insurance and gamified it -- YuLife’s app feels more like an exercise or meditation app than it does insurance. It’s that openness to reimagine financial services that colors his leadership,...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. As banks and credit unions look to modernize to digital payments, they’re turning to firms like Payveris to handle things like bill pay and P2P transfers. Payveris provides cloud payment software to 265 banks and credit unions. Payveris Chief Innovation Officer Marcell King joins me on the podcast to talk about the evolu...

The following was produced by Tearsheet Studios. We worked with small business lender BlueVine to produce a four part series on creating financial solutions serving historically underserved small businesses. In this episode, we spoke with the CEOs of both BlueVine and NEXT Insurance -- two companies founded on addressing the needs of small businesses, out of a recognition that small businesses mak...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. It may be surprising to hear that 124 million Americans are credit union members. Serving that constituency isn’t always easy. That’s because client expectations are high as financial service providers compete on experiences with Netflix and Amazon. CUNA Mutual Group partners with over 95% of all credit unions in the US...

When you talk to Bill Barhydt about his days at Netscape, you can’t help but feel that he’s reliving that excitement today -- with cryptocurrencies. He’s the founder and CEO at Abra, a crypto wealth management platform that includes a brokerage, high yield investments, as well as a cryptocurrency lending service. Bill joins us on the podcast to talk about the firm’s genesis story, going global, an...

The following was produced by Tearsheet Studios. We worked with payment as a service provider Volante Technologies to produce a two part series on banks transforming their payments to the cloud and the road to streamlining the customer journey. The payments space is changing. Technology providers are stepping up and offering FIs the ability to modernize their existing payment processes. Through th...

Today’s guest on the podcast is Matt Sueoka, head of global strategy, partnerships and enablement for Amex Digital Labs. We discuss what it takes to scale new form factors in digital payments. Matt shares how Amex Digital Labs makes investments, chooses partners and prioritizes its product pipeline across form factors like QR, tokenization, and P2P -- Matt gives real like examples of projects that...

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. Alongside the mainstreaming of crypto are concerns about the impact of its mining on the environment. While a significant amount of crypto is mined with renew...

Retail is enjoying a fintech Renaissance of sorts -- from BNPL and other new forms of payments to a maturation of the ecommerce checkout experience. Fast is building one-click checkout on merchant sites across the internet. Much like Uber made payments invisible, Fast is doing something similar for shopper identities. Creating accounts on sellers’ sites has always been an impediment to the payment...