Tearsheet Podcast: Exploring Financial Services Together
Tearsheet Podcast explores financial services together, serving as the podcast of record for news and opinion about the finance industry. Weekly, it identifies, tracks, and analyzes top trends impacting the business of finance, with a focus on digital disruption from fintech and new financial technology. Host Zack Miller, Tearsheet's founder and editor in chief, interviews thought leaders, senior executives, and entrepreneurs shaping the next generation of financial services and technologies.
Episodes
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 Salient, took the opposite approach. He picked one vertical, auto lending, and went deep enough that he eventually moved his company's headquarters to Los Angeles to be closer to a single customer, Westlake Financial.
Two years later, Sali
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 Colombia. This month, that brand entered the US for the first time, launching Nu Global alongside a dedicated US product built around a Nu Account and a no-annual-fee credit card.
Ethan Eismann is the executive tasked with making that experien
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 enough attention.
Managing Editor Sara took the overhyped side: the race to become a customer’s primary financial relationship. Founding Editor Zack’s underhyped pick was something that gets little attention in the larger scheme of things: the
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 of the venture debt market and serving as the one relationship founders and fund managers trusted for everything from a wire transfer to an introduction. Bigger banks and a wave of neobanks moved fast to fill the void. Three years later, th
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 started about as narrow as a bank can start, lending only to veterinarians. Today, Live Oak has grown that thesis into 40 verticals, holds the top spot among all SBA 7(a) lenders by dollar volume, and has done it all without a single branch
“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, she was told that the bank interfaced with, at the time, 67 million clients. "Gosh, that's so much information," she remembers thinking. "Think about what you could do with that.” She started in January 2020. Two months later, the pandemic ma
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 usually happen behind the scenes about our biggest stories and put them on the record.
There isn’t a rehearsed interview or carefully choreographed panel answers. It’s just two editors comparing notes, challenging each other’s takes and trying
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, and credit control teams that can run 20, 30, even 50 people deep at a mid-sized corporate. Virtual cards were built to solve exactly that problem, and the growth numbers show it — spend is projected to hit $17.4 trillion by 2029, accordi
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 get chased down at tax time. While the tools have multiplied, the work hasn't gone away. “Most finance teams work in an incredibly manual way,” says Michael Cieri, Chief Product Officer at BILL. “There's a ton of work done by finance professio
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 expectations. I'm Tearsheet's editor in chief, Zack Miller.
Fintech just lived through four distinct ages — pioneers, growth-at-all-costs, the 2021-22 hype cycle, and the brutal reset that followed. Now we're in a fifth: bigger, more profitable, and m
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 lender hands over the cash and hopes for the best. Credit bureau data lags by 30 days. There's no mechanism to confirm the debt actually got retired. And a significant share of consolidation borrowers end up re-accumulating balances — leaving len
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 two different things. One moves the money, the other tracks it, and small business owners are stuck in the gap between them. A new generation of fintechs has been trying to fix that, but most are still building horizontal tools for every busi
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 complicated. Thousands of cards, millions of merchants, shifting bonus categories, buried benefits. The promise of AI is that it can do that optimization work invisibly, in the background. Today I'm joined by Tikue Anazodo, co-founder and CEO of Kudo
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 Chidambaram, Founder & CEO of Cybrid, breaks down how stablecoin rails are becoming production-ready payment infrastructure for fintechs, neobanks, and enterprises seeking faster settlement, lower fees, and programmable global money movement.
Disco
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 million Americans essentially invisible to lenders — no score, thin file, or a history that doesn't reflect who they actually are financially today. The result is a system that compounds exclusion, requiring debt to unlock debt, and pricing risk
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 tolerant of manual reconciliation. Business structures are more complex: A franchisee group running fifty locations needs fifty entities managed cleanly, not fifty separate bank accounts generating a month's worth of reconciliation work. And the b
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 past few years, something has changed. Squarespace has been building a financial stack. Payments launched in 2023. Capital followed in 2025, offering merchants flexible financing based on their sales history. And just two weeks ago, Squaresp
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 their next bet: a bank-backed digital wallet for e-commerce checkout, backed by the same seven major banks, designed to bring that same institutional trust to online shopping.
Serge Elkiner came on as GM in late 2024, brought over from Visa whe
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 clients, that's still the reality because the systems tracking it haven't kept up.
Banks know this. Most of their commercial clients know this. The gap between what legacy infrastructure can deliver and what today's treasury teams actually need
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 — a process that could take months — or stitch together a patchwork of specialized vendors, each covering a different rail.
Modern Treasury has spent years sitting inside that problem, providing software infrastructure to help companies integ
Truist'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 the same time? Most banks have picked a lane: either betting on digital efficiency or doubling down on relationship banking. But consumers aren't asking for one or the other. They want both. They want their banking app to work flawlessly when
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 pressure, but behind that noise is a more interesting question: when done right, how do bank-fintech partnerships actually expand financial access to people the traditional system has left behind?
My guest today is Anthony Sharett, President of Pat
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 mindset. They're managing digital channels the way they've always managed technology: as IT projects, rather than products that need constant refinement based on user behavior.
The result is an ecosystem where institutions miss opportunities to
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 expectations. I'm Tearsheet's editor in chief, Zack Miller.
For fintechs, cracking the credit union market is notoriously difficult. It's relationship-based, insular, and requires a fundamentally different approach than banking. Many try and fail. But
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 to stay relevant, loyalty can no longer be an afterthought – it needs to be embedded into every customer experience from the start.
At FIS's Emerald 2025 conference in Orlando, Mladen Vladic, general manager of loyalty services at FIS, sat
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 offerings with AI-powered tools. Rather than retreating, traditional institutions are doubling down on technology investments and reimagining their commercial lending strategies to compete in this new environment.
"Banks are not short-term thin
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 operating costs that threaten to overwhelm smaller institutions. They must also prevent increasingly sophisticated fraud while delivering customer experiences that match Amazon and Netflix. And they need to do all of this while building technology f
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 between building their own infrastructure or becoming the pipes for others.
Kirill Gertman has watched the stablecoin industry evolve from multiple angles. He spent nearly two decades in financial services before founding Conduit in 2021, i
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 to return capital to their LPs or move into new opportunities. But while traditional exit doors have stayed shut, technology has opened up new ones—specifically, platforms that make it possible to create and trade Special Purpose Vehicles a
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 into something that transcends the typical vendor-client relationship. The collaboration between Cross River Bank and Best Egg falls firmly into the latter category.
"When we first got into the business, we met several new companies, and so
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 short-term reality onto financial leadership. Seamus Smith, EVP and Group President of Automated Finance at FIS, and Chrissy Wagner, SVP of GTM at FIS, break down how finance leaders can balance urgent risk management with strategic growth positionin
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 unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Togethe
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 expectations. I'm Tearsheet's editor in chief, Zack Miller.
We've been covering AI in financial services for a while now—chatbots, generative AI, fraud detection models. But something fundamental is shifting. We're moving beyond AI as a tool that assi
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 vulnerabilities and slows performance. Shane McWilliams, Head of Retail Digital Banking at FIS, breaks down the three critical challenges separating thriving institutions from those being left behind: serving small and medium businesses as a central
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 of small business owners actually needed when building their online presence.
For Amit Sagiv and Volodymyr Tsukur, co-heads of payments at Wix, the path to serving these SMB customers well was paved through financial products: Wix had to ta
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 from pushing forward: lenders juggle multiple data vendors, wrestle with disconnected point solutions, and these tools lack the ability to paint a full picture of the SMB customer and their needs.
The result is an ecosystem where a majority of
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 expectations. I'm Tearsheet Editor in Chief, Zack Miller.
There's an old theory in lending that you can only master two or three things: growth, credit performance and profitability. For decades, this has been accepted wisdom, until AI started changing
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 the customer trust to bring AI into the core of banking.
Chief Product Officer Sai Rangachari is just nine months into his role at Temenos, but his mandate is sweeping: simplify product experience, co-create with banks, and embed AI across
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 established herself as one of the region's most influential fintech investors.
Camila joined QED in 2022 as the company's first employee based in São Paulo, Brazil, where she focuses on early stage investments. As an investor and operator with
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 message format changes, Swift updates, and evolving fraud requirements hitting simultaneously, banks are facing a complex web of compliance demands that require immediate attention.
"The regulatory agenda for money movement is probably one
'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 products, but building the infrastructure that empowers the next generation of wealth creators.
I'm joined by Sheldon Day, Co-Founder and President of The Player's Company, a collective of over 500 professional athletes and accredited investor
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 empathy and intentionality into every layer of product development, creating experiences that are intuitive, responsive, and centered around real human needs.
Temenos is leading the charge to bring that mindset back to banking innovation, with E
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 standard of living in retirement, There is an urgent need to re-imagine the role record keepers play in financial wellness, and it starts by leveraging technology to close the gap between capabilities and customer expectations.
“When I look at t
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 complex partnerships, navigating regulatory requirements, and driving sustainable growth require a different kind of executive structure than the founder-led approach that got many companies off the ground.
Today, I'm joined by Prashant Fuloria
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, dominated by donor-advised funds marketed exclusively to the wealthy and clunky processes that make generosity harder than it should be.
Today I'm joined by Adam Nash, co-founder and CEO of Daffy, a modern platform that's democratizing cha
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 the jump.
As Canada’s first cloud-native bank, EQ Bank is already ahead of the curve. Its early adoption of a cloud-native core banking platform through a partnership with Temenos is now powering its next phase: real-time data and AI-drive
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 than an option. Kamiel Bouw, Global Head of Insurance for Citi Treasury and Trade Solutions, joins the show today. He brings extensive experience navigating this evolving landscape, where efficiency, data-driven approaches, and customer-centri
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 dollars and take years to implement. Meanwhile, fintechs launch new products in weeks while traditional banks remain trapped in months-long approval cycles.
The challenge extends beyond technology. "Most banks duct-tape capabilities onto w
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 Marketing Officer in bridging the communication gap between technology innovation and the value it brings to customers.
In a conversation at the Temenos Regional Forum Americas 2025 held May 28-30 in Miami, Guis explained that Temenos values cu
'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 experimental pilots to regulated offerings, stablecoin infrastructure is becoming the backbone for 24/7 payment systems, and traditional fintech companies are quietly integrating crypto rails to improve settlement and unlock new capabilities.
I'm joi
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 an untapped opportunity for brands to deepen customer relationships while addressing the preferences of a generation that increasingly chooses debit over credit.
Derek White, CEO of Galileo Financial Technologies, has been at the forefront
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 find themselves logging into five or six different systems just to manage their daily operations, creating inefficiency and driving up costs at a time when economic pressures are mounting.
U.S. Bank's latest 2025 Small Business Survey shows t
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 modernization crisis that threatens their competitive position. At the FIS Emerald Conference 2025, FIS announced a partnership with Episode Six which is designed to address these challenges head-on.
Episode Six, an API-driven payments technology p
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 problems attracting serious investor interest. The shift is toward infrastructure, embedded finance, and AI applications that solve real workflow problems.
Sheel Mohnot has been tracking this evolution from multiple angles. As co-founder o
How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next
The credit industry is shifting how it evaluates borrowers. Traditional credit scoring has left over a billion people without access to financial services, but lenders are increasingly turning to alternative data—bank transactions, spending patterns, real-time financial behavior—to make more informed decisions about creditworthiness.
Andrew Endicott has been at the center of this shift. As co-fou
KeyBank's Mike Walters on how SMB customer relationships are shifting from transactions to advice
The traditional banking model for small and medium-sized businesses has reached an inflection point. Before banking centered on straightforward product relationships, like loans, deposits, and basic services. However, banks are evolving recognizing that their SMB clients need operational partners who understand the unique challenges of running a business while wearing multiple hats.
KeyBank has e
How Wise captured 25% of Brazil's cross-border market
While attention often focuses on developed markets, the most exciting fintech innovations are emerging where mobile technology, young digital-native populations, and gaps in traditional banking converge. These regions aren’t just adopting Western models – they’re creating entirely new paradigms that may eventually reshape global finance.
Today I’m joined by Nadia Costanzo, Director of Banking for
Meet the AI lending officer: How algorithms are taking over credit decisions
The traditional lending officer is facing their biggest disruption in decades. Gen AI is oozing into financial services quickly and deeply enough that it's already impacting how we evaluate credit risk and make lending decisions.
This tension between human judgment and algorithmic precision is the latest focus in our ongoing AI series exploring how artificial intelligence is transforming financia
The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice
Financial institutions are losing an average of $100 million annually due to a fundamental disconnect between fintech innovation and traditional financial systems. A phenomenon FIS and Oxford Economics have termed the "Harmony Gap."
"We hear a lot from people about the challenges and friction they see in the money lifecycle," explains FIS CTO, Firdaus Bhathena, at his firm’s Emerald Conference
How to get started with embedded lending and drive revenue
Embedded finance offers a chance for fintech firms, vertical SaaS companies, and marketplaces to drive revenue growth and build a sticky offering.
Always strapped for cash and with their owners juggling multiple responsibilities at once, small businesses increasingly adopt vertical SaaS platforms to run their operations, the demand for integrated banking, payments, and lending solutions continue
How Citizens is using Value-Added Services and a command center approach to empower SMBs
Traditional banking services alone aren't enough to serve the diverse needs of small and medium-sized businesses. Banks need to go further and think of their digital footprint as a launching pad for SMB owners by adding value-added services.
On the show today, Mark Valentino, President of Business Banking at Citizens, and Taira Hall, EVP and Head of Enterprise Payments at Citizens, join to talk
How Temenos is co-creating AI products with banks, not just for them
Nine months into her role as Chief Product and Technology Officer at Temenos, Barb Morgan is focused on a simple principle when it comes to product strategy: quality over quantity. "We want to build less, but build it better," Morgan said during a conversation at the Temenos Regional Forum Americas 2025 held May 28-30 in Miami.
Temenos' approach centers on co-creating meaningful solutions with ba
“Take a hard look at your current ecosystem. If you were to double the assets under your management today, would your current ecosystem sustain that growth?” Finastra’s Kristen Lista, on what FIs need to do to compete in SME lending
Non-bank financial institutions (NBFIs) are capturing more and more market share in SME lending by leveraging technology to offer quicker lending solutions. This puts pressure on FIs to evolve their approaches while managing costs and improving service quality.
Finastra’s Principal Product Manager Kristen Lista joins the Tearsheet podcast today to discuss the most critical areas where FIs need to
From ACH to stablecoins: Ben Milne's infrastructure evolution
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller.
As digital assets mature beyond speculation into practical financial tools, forward-thinking institutions are evaluating how programmable money fits into their product strategies. For traditi
“Embedded investing isn't a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing
The financial services industry is undergoing deep technological change. API-first architectures are creating new possibilities for integration. Digital platforms are democratizing access to investing. Artificial intelligence is personalizing wealth management. Digital-first brokerages are redefining what's possible. Global investing barriers are falling. Traditional firms are navigating complex d
Inside Mastercard's push to move LATAM's small retailers beyond cash
Tearsheet is excited to launch 4dFI Capital Partners, an exclusive group of out-of-the-box builders and investors building a community to invest in the next wave of fintech startups around the world. If you are an accredited investor and want to learn more, sign up here
Across Latin America, we’re witnessing a massive shift as regions traditionally dominated by cash transactions begin embracing d
Will PayPal’s cash flow tools make capital access easier for SMBs? ft. Michelle Gill
As General Manager of PayPal’s Small Business and Financial Services Group, Michelle Gill is responsible for bringing together the products and services that help small business owners run and grow their business. She is my guest for this episode of the Tearsheet Podcast.
Michelle brings deep financial expertise and experience building platforms and tools that help customers manage their finances
How Citizens Bank is building GenAI with a five-year vision, not just quick fixes
Investment in data is the hallmark of successful Gen AI implementations, according to Citizens’ Chief Data and Analytics Officer, Krish Swamy.
Giving us a system wide view of how Citizens is leveraging Gen AI, Swamy joins the podcast to talk about harnessing the power of data to drive decision-making, enhance customer experiences, and navigate the complexities of digital transformation in the ba
Venture Capital’s shift from consumer fintech to infrastructure ft. Ryan Falvey
In today’s financial landscape, innovation is more than just a buzzword—it’s a driving force separating industry leaders from those left behind. Finding, nurturing, and scaling the right technologies has become a specialized skill set all its own.
Joining us today is Ryan Falvey, Co-Founder and Managing Partner of Restive. Ryan has spent the last 15 years at the forefront of identifying and champ
Serving the global majority: How Tala is reshaping financial inclusion in Latin America and beyond
In a world where financial inclusion remains one of our generation's greatest challenges, emerging markets are becoming the true laboratories of fintech innovation. While developed economies iterate on convenience, companies operating in regions with limited banking infrastructure are fundamentally reimagining what financial services can look like from the ground up.
Today, we're diving into this
"Taking the hardest path in payments": How Adyen's AI platform boosts conversion and reduces fraud
Artificial intelligence is rapidly transforming the financial landscape, creating new opportunities for innovation while reshaping consumer expectations around speed, personalization, and security. As financial institutions and businesses race to integrate AI capabilities, we're witnessing a fundamental shift in how payments are processed, how fraud is detected, and how financial services are deli
Zip CEO Joe Heck: Expanding financial inclusion through Buy Now, Pay Later innovation
Joe Heck, CEO of Zip, joins me on the Tearsheet Podcast to discuss the evolution of alternative payment solutions in the US. Zip is a leading Buy Now, Pay Later (BNPL) company. Joe shares lessons from his 20 years of experience in consumer lending and fintech payment solutions. Heck brings insights from his previous leadership roles at Happy Money and TrueStage.
Heck’s background plays a role in
How Citi is enabling banks to drive growth and remain competitive in a 24/7 world
Fintechs have pushed the industry to focus on client experiences, and our show today digs into how traditional banks can collaborate with global banks like Citi to improve experiences like cross border payments for their clients.
In our conversation today, Aashish Mishra, Citi’s Global Head for Banks sales and North Asia head for Financial Institutions and Fintech Sales, Treasury & Trade Solution
From startup to acquisition: Zuben Mathews on Brigit's social impact journey
In late January, Upbound Group completed its acquisition of Brigit, a leading financial health technology company. This deal brings together Upbound’s established brands like Rent-A-Center and Acima with Brigit’s digital platform that offers earned wage access, credit building products, and financial wellness tools. The combined company now serves approximately four million active customers, inclu
The story of Erica, Bank of America’s homegrown digital assistant
Banking digital assistants may be common now, but in 2017, Bank of America was one of the first to be thinking about how they make the firm’s customer experience more powerful. The answer was an in-house build of a digital assistant that required the firm to hire PhDs in linguistics and build a collaboration structure that could facilitate teams from different departments.
In 2024, BofA clients
Self Financial’s approach to expanding credit access through product innovation with Julie Szudarek
Financial inclusion remains one of the most pressing challenges in today’s economy. Millions of Americans struggle to access basic financial services simply because they lack a credit history or have damaged credit. This gap in our financial system doesn’t just create inconvenience – it perpetuates cycles of financial inequity that can last generations.
In my latest episode of Tearsheet, I sat do
The financial system is moving on-chain: How Coinbase is bridging traditional banking and crypto
Blockchain technology continues to bridge the gap between traditional finance and the digital asset ecosystem. Today, we're witnessing a fascinating convergence where decentralized finance protocols are being integrated into user-friendly platforms, making sophisticated financial tools accessible to everyday users.
One of the most significant developments in this space is the ability to leverage
The new economics of wealth management: Stirlingshire's advisor-first approach
Today we're examining the evolution of asset management and financial advisory services. As technology transforms how we invest and manage wealth, we're exploring the critical balance between innovation and human expertise.
We'll discuss how disruption in the advisory space creates new opportunities for clients and advisors alike, why personal relationships remain essential even as AI expands, an
Beyond Borders: The 4dFI fintech investment series, Part 1
Register to 4dFI's mailing list to stay updated on our investment opportunities, events, news: https://www.library.tearsheet.co/4dfi
Today I'm excited to introduce you to 4dFI Capital Partners — or as we call it, 4dFI — a new initiative bringing together the worlds of traditional finance and innovative fintech.
In this episode, we're diving into three key themes reshaping global financial servic
Smart Tech, Smarter Loans: Michelle Tran on fintech’s impact on student debt
Student debt is a major financial challenge, with U.S. borrowers owing over $1.8 trillion in total. This ongoing debt burden affects millions of individuals. Traditional financial institutions are looking for ways to solve this issue. Meanwhile, fintech innovations are providing solutions. These new technologies are helping to address the problem.
Michelle Tran is the head of commercial at Summer
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SLOW ENGLISH PODCAST (A1-A2) With Subtitles | Daily Videos | English With Us Podcast
Learn English A2 with Daily News | Simple English Listening Practice
پلی لیست | PlayList
Conspiracy Files with Paige Carter
Bad Friends
Learn 50 English Phrases While You Sleep | Everyday English Phrases & Vocabulary
This Past Weekend w/ Theo Von
Dateline NBC
Back to the 80s Radio
