Tearsheet Podcast: Exploring financial services together

Welcome to the Tearsheet Podcast, I’m editor in chief, Zack MIller. A popular theme for this podcast has been exploring the powerful unlock data has within different financial businesses. That’s particularly true for payroll data which is a more complicated thing to digitze than banking balance sheet and transaction data. For the past few weeks, we’ve heard the impact modern access to payroll data...

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. This episode with executives from Mastercard and Greenglight on building trust and marketing to Gen Z is part of a special podcast series where we explore the fascinating Gen Z deeper: their relationship with money, how they like to save, spend, and borrow money, their fears and aspirations, and their connections to so...

Launching a card is such a core part of today’s financial services. Whether you’re an incumbent or a fintech, a card is likely a cornerstone product in your portfolio and an important contributor to your revenue. As the space has matured, firms have gotten better at partnering. That’s good, because you’ll need partners to launch a card. As fintech has grown, it’s helped financial services mature o...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. In this episode, I moderated a discussion between Olivia Mikkelsen, lead experience designer at Deloitte, and Ryan Geyer, the Chief Product Officer for Deloitte's Converge Banking suite. Together, we delved deep into the world of UI/UX and its pivotal role within the realm of financial services. Our conversation revolved...

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. This conversation with top executives at Bank of America is about building good financial habits for Gen Z, this episode is part of a special podcast series where we explore the fascinating Gen Z deeper: their relationship with money, how they like to save, spend, and borrow money, their fears and aspirations, and their...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I’m joined today by the CTOs of Plaid and Brex. The successful fintechs that found early escape velocity did so by rapidly responding to their customers’ needs for complementary products and services. There are just a handful of companies that were able to do this – to go from 0 to 1 in a way that required massive scalin...

It’s been a wild ride for mortgage lenders the past few years. With rates high, they’ve been primarily focusing on two things. The first is to cut costs – that can manifest in reduced headcounts, but mortgage lenders are also thinking about using technology smartly to do more with less. And for those lenders who’ve seen a cycle or two, they’re thinking about using technology strategically, too. It...

Launching a card is such a core part of today’s financial services. Whether you’re an incumbent or a fintech, a card is likely – or will likely be – a cornerstone product in your portfolio and an important contributor to your revenue. What baffles me is that with all the new technology platforms, banking as s service, and experienced program managers, there’s still a gap for firms and entrepreneur...

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. In this podcast, I welcome Jonathan Valenti, a principal with Deloitte Consulting, who leads an offering at Deloitte called Customer, Experience, and Marketing Strategy, particularly in the context of financial services. Jon shares insights on evolving customer expectations, the importance of personalization, and the i...

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. Uneven market conditions nationally, rate volatility, economic uncertainty, affordability challenges, limited inventory, and soaring home prices are rendering a difficult home buying and refinancing market for Americans. BMO’s published a survey that reflects this strongly: The survey reveals that 64 percent of America...

As lenders become increasingly digital, they need to continuously manage the tradeoff between making really smooth experiences for their customers with becoming targets for fraud.  Plus, marketing funnels aren’t monolithic – helping prospects move from kicking the tires to applying for a loan needs to be balanced with making sure lenders are attracting the right, profitable people. It doesn’t help...

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Earned Wage Access has become an important value proposition for workers and many neobanks generally offer it. But for largest incumbent institutions, few do offer it and a lot of it has to do with the lack of regulatory clarity – each state has a different approach to it. But that’s changing. Nico Simko, CEO of Clair, j...

Banking is undergoing deep changes. We’ve been tracking that. And ss consumers become increasingly open to new digital options, incumbent banks are feeling the pressure. It’s hard to innovate when you spend upwards of 70% of your budget maintaining legacy systems. But neobanks are also dealing with their own reckoning – we’ve moved beyond the days where we got excited about the overall headline cu...

Welcome to the Tearsheet Podcast. I'm Tearsheet's editor in chief, Zack Miller. This episode is part of a special series on Gen Z and financial services. We're really trying to get to the bottom of this next generation. The eldest Gen Zer was born in the same year Instagram was founded. Gen Z has always lived in a world with social media. Surrounded by tech tools and platforms means reaching Gen Z...

Hiring in this market is super competitive. Like consumers have grown to expect from the companies they buy from, the bar has been raised in the hiring process. Hiring managers need to create good experiences for candidates if they want to be competitive. They must combine good UX with a growing sensitivity to secure applicants’ personal and professional data, too.  This dynamic is particularly po...

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. Joining me on this show are Stephen Randall, Global Head of Liquidity Management Services in the Treasury and Trade Solutions business at Citi, and Ricardo Josua, CEO and founder of Pismo, a banking and cards platform. The two firms are working to strengthen Citi’s corporate demand deposit accounts (DDA) to clients wor...

Trintech, a global provider of cloud-based financial close solutions for CFOs and their teams, announced the acquisition of Fiserv’s reconciliation businesses in North America and EMEA. The deal comes at a time of relatively low M&A activity in the broader software vertical and, of course, sustained high interest rates. That said, it’s also happening within a segment that has an estimated value of...

Today's companies think about going global from the start and in fintech, that means thinking about payments and money movement across borders. Partnerships can play a strategic and tactical role in going international. Join me Tearsheet's editor and Airwallex's Ravi Adusumilli, SVP of Partnerships for a LinkedIn Live session. As General Manager, Americas, Ravi oversees the company’s strategy and...

We're kicking off a special podcast series where we explore this fascinating Gen Z deeper: their relationship with money, how they like to save, spend, and borrow money, their fears and aspirations, and their connections to social issues. This is part of the content series we've been doing on Steez, our branded work with Publicis Sapient on Gen Z and financial services. You can download our free G...

Welcome to our latest Tearsheet Live event. We're doing these weekly -- Wednesdays at 12 EST -- on Linkedin. Follow us here. I'm your host, Tearsheet editor, Zack Miller. Joining us is Hunter Somerville, creative director of Innovation Refunds. Occasionally we dig in to marketing and campaigns and how financial services and fintech companies are finding new ways to create leads, acquire new custom...

Welcome to another Tearsheet LinkedIn Live session. Joining me is Steven Faust, Dash Solutions CEO. Earlier this year, Prepaid Technologies rebranded as Dash. The company moved into a new corporate headquarters in Birmingham, Alabama. The company serves clients with 4 modalities: disbursements, rewards, spend, and pay. Stephen and I discuss the company’s rebrand and how that’s impacting the busine...

Welcome to the Tearsheet Podcast. I'm Tearsheet's editor in chief, Zack Miller. One of the things I appreciate about Google’s approach to finding the right products and services in financial services and fintech to offer its users is that it’s playing the long game. A year ago, Jenny Cheng and her team launched Google Wallet which combines the payment capabilities of Google Pay with the convenienc...

After years of competing in the US, core software provider Temenos now has over a thousand clients in the U.S., including Regions Bank. Nelly Rezny leads a team of business consultants across the Americas, responsible for working with financial institutions with all of their different transformation initiatives. Nelly joins me on the podcast to discuss the challenges banks are seeing in the market...

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. What I continue to find interesting is that the fintech tech stack peels away like an onion. Even the innovators have 3rd party innovation under the hood. Joining me on the podcast today is Tim Astanov, SVP, Product Commercialization & Partnerships at TabaPay. TabaPay is one of those companies that power payments for t...

Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. On today’s show, we’re going to explore opportunities. These types of opportunities we’ll be talking about don’t come around everyday but when they do, they can be transformative, if you’re able to really step up. I talk to Jannick Malling, co-CEO and co-founder of investing app, Public. For younger investors, the meme...