Shows / Tearsheet Podcast: Exploring Financial Services Together
Tearsheet Podcast: Exploring Financial Services Together
Tearsheet is news, opinion, and analysis on the business of finance. Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business. Where social media, technology and finance intersect.
Episodes
Tearsheet Podcast: Exploring Financial Services TogetherAt Stellar's Meridian conference, Anthony Scaramucci tells banks to "kill the iPod in your business"
Anthony Scaramucci bought his first bitcoin at about $6,000. In October 2020, he bought nine figures' worth for himself and his clients, and some of those…
- Tearsheet Podcast: Exploring Financial Services Together
What Bluevine learned from $2 billion in mobile check deposits and a growing partner stack
A $2 million general contractor pays subcontractors, invoices clients, issues employee cards, and keeps its own books. Most banks still serve this business the…
- Tearsheet Podcast: Exploring Financial Services Together
If you disappeared tomorrow, would your customers care?
For Episode 3, we asked a simple question: Which fintechs would we genuinely miss if they disappeared tomorrow? Millions of users don't necessarily mean a…
- Tearsheet Podcast: Exploring Financial Services Together
Banks look to close the expectation gap with data, real-time infrastructure, and human judgment
Customers hold their banks to a standard they learned somewhere else. Brian DuVal, President of North America at Temenos, points to the speed and ease of use…
- Tearsheet Podcast: Exploring Financial Services Together
Why small businesses hesitate on AI in finance, and how BILL is addressing it
Why small businesses hesitate on AI in finance, and how BILL is addressing it by Tearsheet
- Tearsheet Podcast: Exploring Financial Services Together
Why B2B payments are a whole-journey problem ft. TreviPay
Allen Bonde, Chief Marketing Officer at TreviPay, argues that a new generation of digital-native buyers is the biggest force reshaping how businesses buy and…
- Tearsheet Podcast: Exploring Financial Services Together
Why Salient bet everything on auto lending and never looked back
Most AI startups chase breadth. They build a capable, general-purpose product and sell it across as many industries as are willing to buy it. Ari Malik, CEO of…
- Tearsheet Podcast: Exploring Financial Services Together
Nubank's Ethan Eismann: 'You have to love your customers fanatically for them to love you fanatically'
Nubank spent thirteen years building one of the most loved financial brands in Latin America, growing past 140 million customers across Brazil, Mexico, and…
- Tearsheet Podcast: Exploring Financial Services Together
Over and Underhyped: The banking trends we’re getting wrong
For the second episode of The Editors’ Room, we flipped the format around. One trend we think the industry is overhyping, and one that isn’t getting nearly…
- Tearsheet Podcast: Exploring Financial Services Together
Venture banking 3.0: How Stifel is rebuilding trust after Silicon Valley Bank
When Silicon Valley Bank collapsed in March 2023, it took with it a bank that had quietly become infrastructure for the startup ecosystem, holding the majority…
- Tearsheet Podcast: Exploring Financial Services Together
Live Oak Bank's BJ Losch on why AI is an accelerant, not a strategy
Most banks seem to chase small business customers as one segment among many. Live Oak Bank was built around a bet that specializing beats generalizing — and it…
- Tearsheet Podcast: Exploring Financial Services Together
“Amy has the what. I help with the how”: Inside Bank of America's data and AI partnership
Amy Avery, Managing Director, Analytics, Modeling and Insights, took her job at Bank of America because of a number. When she interviewed at Bank of America…
- Tearsheet Podcast: Exploring Financial Services Together
How enterprise AI is moving up the stack in 3 layers
Welcome to The Editors’ Room, a new Tearsheet Podcast series where Editor-in-Chief Zack Miller and Managing Editor Sara Khairi take the conversations that…
- Tearsheet Podcast: Exploring Financial Services Together
Mastercard's Marc Pettican on the road to a $17.4 trillion virtual card market
Every account payable and account receivable department runs on the same friction: invoices chased four or five times, payments late more than 30% of the time…
- Tearsheet Podcast: Exploring Financial Services Together
How BILL is rebuilding for the Fortune 5 million and gearing up to take big swings on AI
For most small and midsize businesses, financial operations still look a lot like they did a decade ago. Bills get keyed in manually. Receipts pile up. W-9s…
- Tearsheet Podcast: Exploring Financial Services Together
Trust, stablecoins, and the AI margin squeeze:What McKinsey and QED's fintech report means for banks
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing…
- Tearsheet Podcast: Exploring Financial Services Together
How Figure and Method closed the loop on debt consolidation and cut delinquency in half
Debt consolidation has always rested on a promise lenders couldn't verify. A borrower takes out a HELOC, says they'll pay off their credit cards, and the…
- Tearsheet Podcast: Exploring Financial Services Together
The bank account is the product: Slash's bet on vertical SMB banking
Small business banking has always had a structural problem: the companies that hold your money and the companies that build your financial software have been…
- Tearsheet Podcast: Exploring Financial Services Together
How Kudos built a consumer data moat on top of credit card rewards
Most people leave money on the table every time they swipe — not because they're careless, but because the credit card rewards ecosystem is genuinely…
- Tearsheet Podcast: Exploring Financial Services Together
Stablecoin infrastructure is rewiring cross-border payments
Unlock how stablecoin infrastructure is transforming cross-border payments, global treasury, and enterprise fintech strategy. In this episode, Avinash…
- Tearsheet Podcast: Exploring Financial Services Together
How Block built a $200 billion credit operation by seeing customers traditional lenders can't
The credit system in the US was built on a fundamental assumption: that past borrowing behavior predicts future risk. That assumption has left roughly 100…
- Tearsheet Podcast: Exploring Financial Services Together
How Huntington modernized without touching the core ft. Qolo
The pressure building on commercial banks today comes from several directions at once. Corporate treasurers are younger, more digitally native, and less…
- Tearsheet Podcast: Exploring Financial Services Together
Squarespace's Corey Zettler on building a financial services suite for small businesses
For two decades, Squarespace has been the platform entrepreneurs turn to when they want to build something that looks like they hired a designer. But over the…
- Tearsheet Podcast: Exploring Financial Services Together
How Paze is betting bank trust can crack the digital wallet market
Early Warning built Zelle into the dominant peer-to-peer payments network in the U.S. — processing over a trillion dollars in yearly transactions. Paze is…
- Tearsheet Podcast: Exploring Financial Services Together
How KeyBank and Qolo are modernizing corporate treasury without ripping out the core
A mid-market company with dozens of bank accounts shouldn't have to deploy a small army to figure out where its money is. But for most commercial banking…
- Tearsheet Podcast: Exploring Financial Services Together
How Modern Treasury is building a payments platform for a hybrid money world
For years, companies that needed to move money at scale faced the same frustrating tradeoff: build their own bank integrations and compliance infrastructure —…
Tearsheet Podcast: Exploring Financial Services TogetherTruist's Dontá Wilson: 'Innovation without empathy is empty’
There's a tension at the heart of modern banking that technology doesn't seem to totally resolve: how do you be both, digitally excellent and deeply human at…
- Tearsheet Podcast: Exploring Financial Services Together
Pathward's Anthony Sharett on why sponsor banking's future is about evolution, not revolution
Sponsor banking has become one of the most scrutinized business models in financial services. The headlines focus on enforcement actions and regulatory…
- Tearsheet Podcast: Exploring Financial Services Together
Why banks need to adopt a product mindset for their digital channels
Digital banking has become the largest branch of modern banking, yet most banks and credit unions still aren't approaching these experiences with a product…
- Tearsheet Podcast: Exploring Financial Services Together
How TruStage Ventures built connective tissue between fintechs and credit unions
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing…
- Tearsheet Podcast: Exploring Financial Services Together
How FIS is helping financial institutions evolve loyalty beyond rewards
Financial institutions are rethinking loyalty at a critical moment. Credit card spending sits at record highs, but economic uncertainty looms. For banks aiming…
- Tearsheet Podcast: Exploring Financial Services Together
Banks reclaim commercial lending through technology and strategic partnerships
Commercial banks are confronting a rapidly shifting landscape as private credit markets grow toward $3.5 trillion and fintech competitors accelerate their…
- Tearsheet Podcast: Exploring Financial Services Together
How community banks are balancing urgent pressures with long-term modernization
Community and regional banks operate in an environment of perpetual tension. They need to grow deposits and drive lending profitability while managing…
- Tearsheet Podcast: Exploring Financial Services Together
Why every bank now needs a stablecoin strategy (whether they like it or not)
The GENIUS Act brings regulatory clarity to stablecoins, but Conduit CEO Kirill Gertman argues that clarity alone won't guarantee success. Banks face a choice…
- Tearsheet Podcast: Exploring Financial Services Together
Why venture capital infrastructure is finally getting automated
The venture capital world has a liquidity problem. With IPOs scarce and M&A exits few and far between, investors have been stuck in positions for years, unable…
- Tearsheet Podcast: Exploring Financial Services Together
How to build a partnership that can survive market disruptions ft. Cross River and Best Egg
Some partnerships in financial services begin with a handshake and end with a contract dispute. Others start with a Sunday morning LinkedIn message and evolve…
- Tearsheet Podcast: Exploring Financial Services Together
How CFOs can regain strategic control in times of economic volatility ft. FIS’ Chrissy Wagner and Seamus Smith
CFOs are abandoning quarterly planning cycles for week-by-week assessments as trade tensions, tariff uncertainty, and supplier volatility force a new…
- Tearsheet Podcast: Exploring Financial Services Together
Banks or Pipes: Where financial institutions go when agents take over
Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're…
- Tearsheet Podcast: Exploring Financial Services Together
AI agents in production: Nvidia's Kevin Levitt on infrastructure for live banking systems
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing…
- Tearsheet Podcast: Exploring Financial Services Together
FIS's McWilliams on SMBs, data sharing, and the strategy that wins in a competitive environment
Banks dramatically underestimate how their customers share financial data, and most of it happens through insecure screen scraping that creates fraud…
- Tearsheet Podcast: Exploring Financial Services Together
How Wix built payments, checking, and capital for 293 million users
Although every company is becoming a fintech now, Wix didn’t set out to do so – the firm’s entry into financial services started from observing what millions…
- Tearsheet Podcast: Exploring Financial Services Together
How Lendflow is helping embedded lenders reduce system fragmentation and gain an edge in AI
SMBs don't have access to the same level of sophisticated lending options as consumers.There is one fundamental problem that prevents this class of product…
- Tearsheet Podcast: Exploring Financial Services Together
How Upstart's AI is mastering growth, credit performance, and profitability
Welcome to the Tearsheet podcast, where we explore financial services together with an eye on technology, innovation, emerging models and changing…
- Tearsheet Podcast: Exploring Financial Services Together
Temenos embeds AI at the core, not just around it ft. CPO Sai Rangachari
In a sector where AI is promising a significant leap forward, financial institutions demand speed — with safety. Temenos has a track record of innovation and…
- Tearsheet Podcast: Exploring Financial Services Together
Understanding the jabuticaba factor: How QED's Camila Vieira mastered local nuance in Latin American fintech investing
Today, we're joined by Camila Vieira, a Partner at QED Investors focused on Latin America. Camila brings a wealth of experience to our conversation, having…
- Tearsheet Podcast: Exploring Financial Services Together
How FIs are using modular modernization and the cloud to keep up with the change in payments ft. FIS and AWS
The payments landscape is experiencing regulatory upheaval, forcing financial institutions to rethink their approach to money movement modernization. With ISO…
- Tearsheet Podcast: Exploring Financial Services Together
'We're changing the narrative on athletes being dumb money': The Player's Company
Today on the Tearsheet Podcast, we're diving into a story that captures the evolution of modern finance — where professional athletes aren't just endorsing…
- Tearsheet Podcast: Exploring Financial Services Together
How design-thinking powers Temenos' empathy-driven experiences
From streamlining complex onboarding flows to surfacing the right information at the right time, design thinking encourages product design teams to bring…
- Tearsheet Podcast: Exploring Financial Services Together
Why record keepers are becoming workplace financial wellness firms, ft. FIS
More than half of Americans report that they will run out of money when they stop earning a paycheck and millions haven't saved enough to maintain their…
- Tearsheet Podcast: Exploring Financial Services Together
The jazz ensemble approach: How Fundbox's dual leadership model powers lending growth
As fintech companies transition from scrappy startups to scaled operations, traditional leadership models often hit their limits. The demands of managing…
- Tearsheet Podcast: Exploring Financial Services Together
Adam Nash on building Daffy, the membership-based platform for charitable giving
Americans give nearly half a trillion dollars to charity each year—over 2% of GDP. Yet despite this massive scale, charitable giving remains stuck in the past…
- Tearsheet Podcast: Exploring Financial Services Together
How cloud-native core banking helped EQ Bank grow through improved customer experience
As the banking landscape accelerates toward digital transformation, some financial institutions are questioning how fast and far to leap. Others have long made…
- Tearsheet Podcast: Exploring Financial Services Together
How Citi is helping insurers compete in an always on digital payments landscape
Today, traditional insurance faces mounting pressures from new technologies and market entrants, and digital transformation has become an imperative rather…
- Tearsheet Podcast: Exploring Financial Services Together
Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative
Banking executives face a familiar dilemma: decades-old core systems technically constrain innovation while replacement costs can reach hundreds of millions of…
- Tearsheet Podcast: Exploring Financial Services Together
How Temenos is leading banking forward through customer and partner insight
Isabelle Guis understands the need for marketing to speak technology's language. With an engineering background, Guis sees her strength as Temenos’ Chief…
- Tearsheet Podcast: Exploring Financial Services Together
'Value will accrue at the application layer': VanEck's Juan Lopez on crypto's infrastructure shift
The infrastructure for crypto-native finance is maturing beyond proof-of-concepts into real financial products. Tokenized securities are moving from…
- Tearsheet Podcast: Exploring Financial Services Together
How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White
While co-branded credit cards have dominated consumer wallets for decades, a new option is emerging in the payments landscape. Co-branded debit cards represent…
- Tearsheet Podcast: Exploring Financial Services Together
How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel
SMBs are drowning in a sea of disconnected financial tools, juggling separate platforms for banking, payments, accounting, and lending. Many business owners…
- Tearsheet Podcast: Exploring Financial Services Together
How FIS and Episode Six are helping FIs expand their products into new markets
Financial institutions are drowning in payment complexity. Between legacy systems, and the accelerating pace of change in how people pay, banks face a…
- Tearsheet Podcast: Exploring Financial Services Together
The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025
The fintech investment landscape is heating up again. After a challenging 2022 and 2023, early-stage funding is recovering, with companies focused on practical…