Tearsheet Podcast: Exploring Financial Services Together
Episodes
Squarespace's Corey Zettler on building a financial services suite for small businesses
07 Apr 2026
Contributed by Lukas
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 ...
How Paze is betting bank trust can crack the digital wallet market
01 Apr 2026
Contributed by Lukas
Early Warning built Zelle into the dominant peer-to-peer payments network in the U.S. — processing over a trillion dollars in yearly transactions. P...
How KeyBank and Qolo are modernizing corporate treasury without ripping out the core
26 Mar 2026
Contributed by Lukas
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 bank...
How Modern Treasury is building a payments platform for a hybrid money world
10 Mar 2026
Contributed by Lukas
For years, companies that needed to move money at scale faced the same frustrating tradeoff: build their own bank integrations and compliance infrastr...
Truist's Dontá Wilson: 'Innovation without empathy is empty’
04 Mar 2026
Contributed by Lukas
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 h...
Pathward's Anthony Sharett on why sponsor banking's future is about evolution, not revolution
11 Feb 2026
Contributed by Lukas
Sponsor banking has become one of the most scrutinized business models in financial services. The headlines focus on enforcement actions and regulator...
Why banks need to adopt a product mindset for their digital channels
14 Jan 2026
Contributed by Lukas
Digital banking has become the largest branch of modern banking, yet most banks and credit unions still aren't approaching these experiences with a pr...
How TruStage Ventures built connective tissue between fintechs and credit unions
22 Dec 2025
Contributed by Lukas
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing ex...
How FIS is helping financial institutions evolve loyalty beyond rewards
18 Dec 2025
Contributed by Lukas
Financial institutions are rethinking loyalty at a critical moment. Credit card spending sits at record highs, but economic uncertainty looms. For ban...
Banks reclaim commercial lending through technology and strategic partnerships
15 Dec 2025
Contributed by Lukas
Commercial banks are confronting a rapidly shifting landscape as private credit markets grow toward $3.5 trillion and fintech competitors accelerate t...
How community banks are balancing urgent pressures with long-term modernization
09 Dec 2025
Contributed by Lukas
Community and regional banks operate in an environment of perpetual tension. They need to grow deposits and drive lending profitability while managing...
Why every bank now needs a stablecoin strategy (whether they like it or not)
08 Dec 2025
Contributed by Lukas
The GENIUS Act brings regulatory clarity to stablecoins, but Conduit CEO Kirill Gertman argues that clarity alone won't guarantee success. Banks face ...
Why venture capital infrastructure is finally getting automated
02 Dec 2025
Contributed by Lukas
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 year...
How to build a partnership that can survive market disruptions ft. Cross River and Best Egg
17 Nov 2025
Contributed by Lukas
Some partnerships in financial services begin with a handshake and end with a contract dispute. Others start with a Sunday morning LinkedIn message an...
How CFOs can regain strategic control in times of economic volatility ft. FIS’ Chrissy Wagner and Seamus Smith
14 Nov 2025
Contributed by Lukas
CFOs are abandoning quarterly planning cycles for week-by-week assessments as trade tensions, tariff uncertainty, and supplier volatility force a new ...
Banks or Pipes: Where financial institutions go when agents take over
14 Nov 2025
Contributed by Lukas
Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today...
AI agents in production: Nvidia's Kevin Levitt on infrastructure for live banking systems
12 Nov 2025
Contributed by Lukas
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing ex...
FIS's McWilliams on SMBs, data sharing, and the strategy that wins in a competitive environment
07 Nov 2025
Contributed by Lukas
Banks dramatically underestimate how their customers share financial data, and most of it happens through insecure screen scraping that creates fraud ...
How Wix built payments, checking, and capital for 293 million users
05 Nov 2025
Contributed by Lukas
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 ...
How Lendflow is helping embedded lenders reduce system fragmentation and gain an edge in AI
23 Oct 2025
Contributed by Lukas
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 pr...
How Upstart's AI is mastering growth, credit performance, and profitability
22 Oct 2025
Contributed by Lukas
Welcome to the Tearsheet podcast, where we explore financial services together with an eye on technology, innovation, emerging models and changing exp...
Temenos embeds AI at the core, not just around it ft. CPO Sai Rangachari
21 Oct 2025
Contributed by Lukas
In a sector where AI is promising a significant leap forward, financial institutions demand speed — with safety. Temenos has a track record of innov...
Understanding the jabuticaba factor: How QED's Camila Vieira mastered local nuance in Latin American fintech investing
15 Oct 2025
Contributed by Lukas
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, h...
How FIs are using modular modernization and the cloud to keep up with the change in payments ft. FIS and AWS
02 Oct 2025
Contributed by Lukas
The payments landscape is experiencing regulatory upheaval, forcing financial institutions to rethink their approach to money movement modernization. ...
'We're changing the narrative on athletes being dumb money': The Player's Company
01 Oct 2025
Contributed by Lukas
Today on the Tearsheet Podcast, we're diving into a story that captures the evolution of modern finance — where professional athletes aren't just en...
How design-thinking powers Temenos' empathy-driven experiences
25 Sep 2025
Contributed by Lukas
From streamlining complex onboarding flows to surfacing the right information at the right time, design thinking encourages product design teams to br...
Why record keepers are becoming workplace financial wellness firms, ft. FIS
18 Sep 2025
Contributed by Lukas
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 the...
The jazz ensemble approach: How Fundbox's dual leadership model powers lending growth
17 Sep 2025
Contributed by Lukas
As fintech companies transition from scrappy startups to scaled operations, traditional leadership models often hit their limits. The demands of manag...
Adam Nash on building Daffy, the membership-based platform for charitable giving
10 Sep 2025
Contributed by Lukas
Americans give nearly half a trillion dollars to charity each year—over 2% of GDP. Yet despite this massive scale, charitable giving remains stuck i...
How cloud-native core banking helped EQ Bank grow through improved customer experience
02 Sep 2025
Contributed by Lukas
As the banking landscape accelerates toward digital transformation, some financial institutions are questioning how fast and far to leap. Others have ...
How Citi is helping insurers compete in an always on digital payments landscape
25 Aug 2025
Contributed by Lukas
Today, traditional insurance faces mounting pressures from new technologies and market entrants, and digital transformation has become an imperative r...
Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative
12 Aug 2025
Contributed by Lukas
Banking executives face a familiar dilemma: decades-old core systems technically constrain innovation while replacement costs can reach hundreds of mi...
How Temenos is leading banking forward through customer and partner insight
06 Aug 2025
Contributed by Lukas
Isabelle Guis understands the need for marketing to speak technology's language. With an engineering background, Guis sees her strength as Temenos’ ...
'Value will accrue at the application layer': VanEck's Juan Lopez on crypto's infrastructure shift
06 Aug 2025
Contributed by Lukas
The infrastructure for crypto-native finance is maturing beyond proof-of-concepts into real financial products. Tokenized securities are moving from e...
How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White
31 Jul 2025
Contributed by Lukas
While co-branded credit cards have dominated consumer wallets for decades, a new option is emerging in the payments landscape. Co-branded debit cards ...
How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel
30 Jul 2025
Contributed by Lukas
SMBs are drowning in a sea of disconnected financial tools, juggling separate platforms for banking, payments, accounting, and lending. Many business ...
How FIS and Episode Six are helping FIs expand their products into new markets
23 Jul 2025
Contributed by Lukas
Financial institutions are drowning in payment complexity. Between legacy systems, and the accelerating pace of change in how people pay, banks face a...
The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025
23 Jul 2025
Contributed by Lukas
The fintech investment landscape is heating up again. After a challenging 2022 and 2023, early-stage funding is recovering, with companies focused on ...
How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next
16 Jul 2025
Contributed by Lukas
The credit industry is shifting how it evaluates borrowers. Traditional credit scoring has left over a billion people without access to financial serv...
KeyBank's Mike Walters on how SMB customer relationships are shifting from transactions to advice
10 Jul 2025
Contributed by Lukas
The traditional banking model for small and medium-sized businesses has reached an inflection point. Before banking centered on straightforward produc...
How Wise captured 25% of Brazil's cross-border market
09 Jul 2025
Contributed by Lukas
While attention often focuses on developed markets, the most exciting fintech innovations are emerging where mobile technology, young digital-native p...
Meet the AI lending officer: How algorithms are taking over credit decisions
01 Jul 2025
Contributed by Lukas
The traditional lending officer is facing their biggest disruption in decades. Gen AI is oozing into financial services quickly and deeply enough that...
The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice
26 Jun 2025
Contributed by Lukas
Financial institutions are losing an average of $100 million annually due to a fundamental disconnect between fintech innovation and traditional finan...
How to get started with embedded lending and drive revenue
25 Jun 2025
Contributed by Lukas
Embedded finance offers a chance for fintech firms, vertical SaaS companies, and marketplaces to drive revenue growth and build a sticky offering. ...
How Citizens is using Value-Added Services and a command center approach to empower SMBs
23 Jun 2025
Contributed by Lukas
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 o...
How Temenos is co-creating AI products with banks, not just for them
20 Jun 2025
Contributed by Lukas
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 st...
“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
17 Jun 2025
Contributed by Lukas
Non-bank financial institutions (NBFIs) are capturing more and more market share in SME lending by leveraging technology to offer quicker lending solu...
From ACH to stablecoins: Ben Milne's infrastructure evolution
17 Jun 2025
Contributed by Lukas
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing ex...
“Embedded investing isn't a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing
11 Jun 2025
Contributed by Lukas
The financial services industry is undergoing deep technological change. API-first architectures are creating new possibilities for integration. Digit...
Inside Mastercard's push to move LATAM's small retailers beyond cash
03 Jun 2025
Contributed by Lukas
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 th...
Will PayPal’s cash flow tools make capital access easier for SMBs? ft. Michelle Gill
07 May 2025
Contributed by Lukas
As General Manager of PayPal’s Small Business and Financial Services Group, Michelle Gill is responsible for bringing together the products and serv...
How Citizens Bank is building GenAI with a five-year vision, not just quick fixes
06 May 2025
Contributed by Lukas
Investment in data is the hallmark of successful Gen AI implementations, according to Citizens’ Chief Data and Analytics Officer, Krish Swamy. Giv...
Venture Capital’s shift from consumer fintech to infrastructure ft. Ryan Falvey
30 Apr 2025
Contributed by Lukas
In today’s financial landscape, innovation is more than just a buzzword—it’s a driving force separating industry leaders from those left behind....
Serving the global majority: How Tala is reshaping financial inclusion in Latin America and beyond
23 Apr 2025
Contributed by Lukas
In a world where financial inclusion remains one of our generation's greatest challenges, emerging markets are becoming the true laboratories of finte...
"Taking the hardest path in payments": How Adyen's AI platform boosts conversion and reduces fraud
15 Apr 2025
Contributed by Lukas
Artificial intelligence is rapidly transforming the financial landscape, creating new opportunities for innovation while reshaping consumer expectatio...
Zip CEO Joe Heck: Expanding financial inclusion through Buy Now, Pay Later innovation
11 Apr 2025
Contributed by Lukas
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,...
How Citi is enabling banks to drive growth and remain competitive in a 24/7 world
07 Apr 2025
Contributed by Lukas
Fintechs have pushed the industry to focus on client experiences, and our show today digs into how traditional banks can collaborate with global banks...
From startup to acquisition: Zuben Mathews on Brigit's social impact journey
02 Apr 2025
Contributed by Lukas
In late January, Upbound Group completed its acquisition of Brigit, a leading financial health technology company. This deal brings together Upbound’...
The story of Erica, Bank of America’s homegrown digital assistant
31 Mar 2025
Contributed by Lukas
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 custom...
Self Financial’s approach to expanding credit access through product innovation with Julie Szudarek
24 Mar 2025
Contributed by Lukas
Financial inclusion remains one of the most pressing challenges in today’s economy. Millions of Americans struggle to access basic financial service...
The financial system is moving on-chain: How Coinbase is bridging traditional banking and crypto
18 Mar 2025
Contributed by Lukas
Blockchain technology continues to bridge the gap between traditional finance and the digital asset ecosystem. Today, we're witnessing a fascinating c...
The new economics of wealth management: Stirlingshire's advisor-first approach
11 Mar 2025
Contributed by Lukas
Today we're examining the evolution of asset management and financial advisory services. As technology transforms how we invest and manage wealth, we'...
Beyond Borders: The 4dFI fintech investment series, Part 1
06 Mar 2025
Contributed by Lukas
Register to 4dFI's mailing list to stay updated on our investment opportunities, events, news: https://www.library.tearsheet.co/4dfi Today I'm excite...
Smart Tech, Smarter Loans: Michelle Tran on fintech’s impact on student debt
05 Mar 2025
Contributed by Lukas
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 indiv...
Ramp’s AI-powered push to automate expense management ft. Geoff Charles
26 Feb 2025
Contributed by Lukas
I recently sat down with Geoff Charles, Chief Product Officer at Ramp, to discuss the rapidly evolving landscape of corporate finance technology. Rece...
Citi’s Chafic Haddad on how Citi chooses fintech clients and builds partnerships
25 Feb 2025
Contributed by Lukas
Choosing the right bank to work with is a skill that fintechs need to develop and nurture. When the right choices are made, fintechs can find themselv...
How Lower uses technology and humans to simplify mortgage lending ft. Dan Snyder
19 Feb 2025
Contributed by Lukas
I recently sat down with Dan Snyder, CEO and co-founder of Lower, to discuss the evolving landscape of mortgage lending. Lower was founded in 2014 and...
‘Lightning in a Bottle’: Frank Chaparro on Stablecoins and Tokenization’s Promise
12 Feb 2025
Contributed by Lukas
In this episode of the Tearsheet Podcast, I sit down with Frank Chaparro, the host of The Scoop and Director of Special Products at The Block. He has ...
Temenos CPTO Barb Morgan on measuring ROI, step by step modernization, and AI-enabled banking
11 Feb 2025
Contributed by Lukas
Banks have a challenging time responding to technological leaps like AI primarily because of their compliance-comes-first approach. Financial institut...
How AI is disrupting finance & how companies can respond, with Publicis Sapient CEO, Nigel Vaz
06 Feb 2025
Contributed by Lukas
On this episode of the Tearsheet Podcast, Nigel Vaz, CEO of Publicis Sapient, discusses how AI is fundamentally changing the financial services indust...
Building the bridge between crypto and coffee shops: A chat with Mesh's Bam Azizi
05 Feb 2025
Contributed by Lukas
The Tearsheet podcast often explores the intersection of financial services and technology. What makes this exploration unique is its focus on emergin...
Public Blockchain’s Promise: EY’s Paul Brody on tokenization, enterprise adoption, and privacy
29 Jan 2025
Contributed by Lukas
As blockchain technology seeps slowly into the traditional financial services ecosystem, it is offering new opportunities through tokenization and dec...
Building the digital financial infrastructure of tomorrow -- A conversation with Plaid's John Pitts
21 Jan 2025
Contributed by Lukas
APIs have evolved from simple data connectors to the fundamental architecture driving financial innovation. In this episode of the Tearsheet Podcast, ...
Can cryptocurrency and blockchain drive fintech innovation? Stanford’s Lisa Nestor weighs in
13 Jan 2025
Contributed by Lukas
Could cryptocurrency be the key to bridging financial gaps? Can it create a more inclusive global economy? Digital assets like stablecoins and blockc...
How Shopify is simplifying financial services for entrepreneurs w/ Vikram Anreddy
06 Jan 2025
Contributed by Lukas
What if the financial hurdles of running an e-commerce business — like cash flow struggles, banking complexities, and sales tax headaches — could ...
Web3 companies need payroll: Franklin CEO Megan Knab discusses blockchain’s role in finance
18 Dec 2024
Contributed by Lukas
Franklin bridges the gap between Web3 and traditional finance, rethinking how businesses manage payroll and payments. Today’s podcast features Megan...
Uprise makes entrepreneurial finance simple feat. CEO Jessica Chen Riolfi
11 Dec 2024
Contributed by Lukas
Launching a startup is challenging. It becomes even more difficult when tackling personal and business finances that confound entrepreneurs. Enter Upr...
Why Coast's live API demos matter in fintech feat. Kara Parkey
02 Dec 2024
Contributed by Lukas
Coast stands out in fintech with its interactive API demos. Kara Parkey, head of strategic accounts at Coast, shares insights on the Tearsheet podcas...
Peter Renton's Forecast: Banking as a Service, Embedded Finance, and the Future of Open Banking
21 Nov 2024
Contributed by Lukas
In the ever-evolving world of fintech and open banking, staying ahead of the curve is crucial. Few understand this better than Peter Renton. He is the...
From Bitcoin to Tokenized Assets: A roadmap for Web3 in finance with Rumi Morales
14 Nov 2024
Contributed by Lukas
Is the promise of Web3 in finance finally coming to fruition, or are we still in the early stages of a long journey from Bitcoin to tokenized assets? ...
How U.S. Bank is reinventing itself for the digital age with CPO of Digital Platforms, Gareth Gaston
30 Oct 2024
Contributed by Lukas
In an evolving financial landscape, US Bank has emerged as a leader in digital transformation. It has reshaped the way customers interact with their f...
Banks need a north star for successful core modernization ft. Galileo and Valley Bank
23 Oct 2024
Contributed by Lukas
Most banks right now are at a crossroads: Either they choose to overhaul their legacy systems or come to a point where they will continue to battle th...
How supporting SMBs creates a thriving economy & community
22 Oct 2024
Contributed by Lukas
SMBs face critical challenges such as lack of access to credit, barriers for women entrepreneurs, and lower levels of digital enablement, which have l...
FIs and fintechs can learn to partner more intelligently with Pacemakers' Alessandro Hatami
21 Oct 2024
Contributed by Lukas
As the financial world evolves, open banking and digital transformation are opening up new opportunities. This comes with several challenges for banks...
How to get the most out of partnerships in serving SMBs ft. Citizens' Mark Valentino
18 Oct 2024
Contributed by Lukas
SMBs need more from their FIs, and data echoes this demand. 62% of SMB owners have reported feeling like their business banking options don't go any f...
J.P. Morgan’s Ashraf Hebela on how JPM is sharpening its focus on startup banking
10 Oct 2024
Contributed by Lukas
Today, we're diving into the ever-green landscape of startups and startup banking. While the startup scene is always buzzing, recent years have been p...
How to differentiate in the changing world of SMB payments ft. Truist's Chris Ward
10 Oct 2024
Contributed by Lukas
The days when SMBs were tethered to their home markets are long behind us. Today, SMBs are eagerly embracing global opportunities, expanding into new ...
Creating a seamless banking + payments + software experience for SMBs ft. U.S. Bank's Scott Beyer
09 Oct 2024
Contributed by Lukas
How can FIs step in with solutions that alleviate these pain points, allowing SMBs to concentrate on growing their businesses while relegating banking...
How Generative AI is redefining personalization in financial services with Curinos' Olly Downs
08 Oct 2024
Contributed by Lukas
Generative AI and open banking are beginning to change how banks engage with customers. Today we will look at this process with Olly Downs. He is a Ch...
Compound Influence #3: WallStreetBets
29 Sep 2024
Contributed by Lukas
In the latest episode of Tearsheet's newest podcast, "Compound Influence," hosts Zack Miller and Josh Liggett dive deep into the fascinating world of ...
How Microsoft and Wipro are elevating finserv with responsible AI and cognitive assistants
27 Sep 2024
Contributed by Lukas
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing ex...
The post-purchase space is a land opportunity, feat. Gaurav Mittal, EVP of Ethoca
19 Sep 2024
Contributed by Lukas
Gaurav Mittal, Executive Vice President of Ethoca, a Mastercard company, shows that the post-purchase space represents an opportunity for our industry...
How are emerging community banks building effective tech partnerships?
18 Sep 2024
Contributed by Lukas
Welcome to the second episode of our de novo community banking series. I’m Sara Khairi, your host and reporter at Teasheet. If you tuned in a couple...
Reshaping embedded finance with KeyBank’s Jon Briggs and Qolo’s CEO Patricia Montesi
18 Sep 2024
Contributed by Lukas
Strategic partnerships – those relationships between traditional financial institutions and fintechs – have become really integral as banks seek t...
Modernizing the finance tech stack: A conversation with Mercury's VP of Finance, Dan Kang
11 Sep 2024
Contributed by Lukas
Today's episode of the Tearsheet podcast features Dan Kang, VP of Finance at Mercury. He shares his insights on how the fintech company is reshaping c...
Compound Influence #2: Ron "The Analyst's Analyst" Shevlin
06 Sep 2024
Contributed by Lukas
Welcome to Compound Influence, the podcast that dissects the power players shaping the financial services industry. I'm your host, Tearsheet's Zack Mi...
Evolving tech preferences among community banks: Craft Bank’s tech & growth with CEO Ross Mynatt
03 Sep 2024
Contributed by Lukas
Hey, I'm Tearsheet's Sara Khairi. For my very first episode, I decided to step outside the frenetic pace of the Big Apple and dive into the lesser-kno...
The evolving role of Chief Data Officers and Generative AI in financial services
30 Aug 2024
Contributed by Lukas
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing ex...
How FIs can ride the AI wave and build for a fragile customer with Suzy’s CEO Matt Britton
27 Aug 2024
Contributed by Lukas
This conversation with Suzy’s Matt Britton really rose above the noise and allowed me to look at the financial services industry as an interconnecte...
Transforming Financial Content: Malka, MoneyLion’s data-driven approach to today’s consumers
22 Aug 2024
Contributed by Lukas
Today’s a first for the podcast. We have an entire management team joining us on the podcast. For today’s show, we have the new leadership team...