Tearsheet Podcast: Exploring Financial Services Together
719 episodes - English - Latest episode: about 23 hours ago - ★★★★★ - 32 ratingsTearsheet 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.
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Episodes
MoneyLion's maniacal mission of rewiring finance with Dee Choubey
April 25, 2024 06:02 - 42 minutes - 58.6 MBWelcome to another episode of 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. Today, I have the pleasure of sitting down with Dee Choubey, CEO of MoneyLion. In our chat, Dee takes us on a journey through MoneyLion's evolution, from its early days as a venture-backed neobank to its current position as a headline fintech stock. With a blend of in...
“We don’t use the word ‘disrupt’”: The future of financial services, starting with distribution
April 23, 2024 09:00 - 33 minutes - 45.9 MBWelcome to another episode of 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. I'm thrilled to bring you a special episode today. After doing this for over 10 years, it’s not often I’m on the other side of the mic, being interviewed. But that’s exactly what we have in store for you. What you're about to hear is a recording from my recent appeara...
Deep Dive: Building for Gen Z, influencers, financial literacy, and a budgeting coloring book
April 18, 2024 04:37 - 26 minutes - 24.1 MBTearsheet Editor-in-Chief Zack Miller hosted a LinkedIn Live session featuring two of our top reporters, Rabab Ahsan and Sara Khairi. It was a chance to go behind the scenes of our reporting and go deeper into what's happening at the intersection of financial services, new models, rising expectations, and evolving technology. We explored the fascinating intersection of finance, Gen Z trends, and influencer culture, discussing how unconventional strategies like budgeting coloring books are re...
'Brick walls are there to be broken by those who deserve to': Curve's Shachar Bialick
April 16, 2024 04:33 - 48 minutes - 67 MBWelcome to another episode of 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. Today, I invite you to join us as we uncover the story of Curve, a creative fintech that's a sort of operating system for money, impacting the way people spend, send, see and save money Step into the world of Shachar Bialick, founder and CEO at Curve, as we traverse ...
Untapped strategies to create Gen Z-friendly financial products: Publicis Sapient’s Mahesh Raghavan
April 11, 2024 07:02 - 15 minutes - 21.4 MBWelcome to another episode of 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 the past 18 months, we’ve been exploring what it will take to really deliver financial services and products that resonate with Gen Z. As the biggest generation in history, getting this right can be an existential problem for certain types of FIs It won’t be easy...
How US Bank's innovation team tries to uncover the tech trends reshaping financial services
April 09, 2024 07:11 - 39 minutes - 54.9 MBWelcome, everyone, to another episode of 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. Today, we're joined by Don Relyea, the Chief Innovation Officer at US Bank, and Todder Moning, who leads the bank's applied foresights practice. They've recently returned from scouring the halls of CES, the annual consumer electronics show, on a mission to u...
How U.S. Bank's innovation team tries to uncover the tech trends reshaping financial services
April 09, 2024 07:11 - 39 minutes - 54.9 MBWelcome, everyone, to another episode of 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. Today, we're joined by Don Relyea, the Chief Innovation Officer at U.S. Bank, and Todder Moning, who leads the bank's applied foresights practice. They've recently returned from scouring the halls of CES, the annual consumer electronics show, on a mission to...
How fintechs are reworking their tech and customer focus to get closer to Gen Z customers
April 04, 2024 08:32 - 29 minutes - 40.4 MBWelcome, everyone, to another episode of 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 we explore how financial services is attempting to cater to younger customers, it’s clear – some neobanks and fintechs resonate with Gen Z much more than traditional FIs. That may be because they have identified niche consumer groups and are thinking ou...
'Having a relationship with Gen Z is good for banks’ immediate bottom lines': Greenlight’s Matt Wolf
April 01, 2024 06:54 - 16 minutes - 23 MBWelcome, everyone, to another episode of 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. Understanding how a system works is the first step to leveraging it to your advantage. However in an environment where just seven states provide excellent education in personal finance, younger generations like Gen Z are starting out at a massive disadvantag...
Empowering the Gen Z Future: Bridging finance and sustainability with Eunice Jung
March 28, 2024 06:48 - 13 minutes - 18.8 MBWelcome, everyone, to another episode of 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. Next up, we have Eunice Jung, who is helping to encourage climate-smart lifestyles through fintech as Head of Partnerships at Future. Eunice is not your typical finance executive; she’s a recent grad on a mission to really rethink how we think about sustaina...
Navigating debit, credit, and digital influence with Mastercard's Bunita Sawhney
March 25, 2024 06:05 - 17 minutes - 23.4 MBWelcome, everyone, to another episode of 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. This episode of The Tearsheet Podcast delves into the evolving financial landscape for Gen Z, focusing on their transition from debit to credit usage. Bunita Sawhney, Global Head of Consumer Products and Processing at Mastercard, shares insights from her pre...
Inside Adyen's approach to digital payments with Trevor Nies
March 19, 2024 07:59 - 27 minutes - 38.3 MBWelcome, everyone, to another episode of 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. Today we have an insightful conversation for you featuring Trevor Nies, senior vice president and global head of digital at Adyen, a leading financial technology platform renowned for its innovative contributions to the digital commerce landscape. This conve...
Empowering merchants with Citi Pay: A dive into embedded payments with Terry O'Neil
March 13, 2024 23:09 - 28 minutes - 38.8 MBWelcome, everyone, to another episode of 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. Today, I’m thrilled to bring you an exclusive conversation with Terry O'Neil, a payments leader at Citi responsible for spearheading embedded payments and strategic initiatives. Terry provides insights into Citi's approach to embedding a wide array of financ...
Unleashing the power of brand purpose in financial services with StrawberryFrog
March 12, 2024 11:56 - 51 minutes - 47.3 MBIn the dynamic landscape of financial marketing and transformation, few figures stand out as prominently to me as Scott Goodson, CEO, and Chip Walker, Head of Strategy, at StrawberryFrog. I’ve spoken to these guys a few times over the years and they just get it. StrawberryFrog has been called the very best creative marketing, innovations, and transformation company in the world for financial brands, having worked with some of the most iconic financial brands including the largest banks such...
Argyle's Shmulik Fishman on the firm's recent Series C and the future of payroll connectivity
March 07, 2024 09:00 - 20 minutes - 18.6 MBToday, we have a special guest joining us—Shmulik Fishman, CEO of Argyle. I’ve spoken to Shmulik a few times over the years and it’s been really interesting to see how early he was to the space he’s playing in, as well as the impact Argyle is having on financial services. The firm’s recent investment round I think speaks to that. Argyle has been at the forefront of digital income verification, transforming how lenders, mortgage processors, banks, and fintechs verify income. In this episode...
Behind the creation of Current's new credit builder card
March 01, 2024 06:07 - 24 minutes - 22.3 MBWelcome, everyone, to another episode of 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 And for today’s episode, we're embarking on an insightful journey with two professionals I consider as visionaries – we’ve spoken a few times over the years – They’re the co-founders at the helm of Current, a pioneering neobank based in the heart of New York ...
Scaling with Purpose: The Brex blueprint for growth with Karan Anand
February 27, 2024 08:00 - 28 minutes - 26.1 MBWelcome, everyone, to another episode of 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. In today's conversation, I chat with Karan Anand, President at Brex. Brex has undergone a remarkable transformation over the last two years, evolving from a fintech startup with a corporate card for startups to a global fintech and enterprise SaaS company in...
Gen Z invests for reasons that are completely different from previous generations
February 23, 2024 06:00 - 26 minutes - 24 MBWelcome, everyone, to another episode of 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. Actually, I’m your co-host today – joining me is Rabab Ahsan, Tearsheet reporter. Rabab has been doing a bang-up job recently covering the intersection of Gen Z and financial services, from her reporting to her contributions to our 2 seminal reports on the s...
Unlocking access to top asset managers: The Securitize story with Jamie Finn
February 16, 2024 08:01 - 26 minutes - 24.6 MBWelcome to the Tearsheet Podcast where we explore the future of financial services with an eye on technology, new models, innovation, and changing expectations. I’m Tearsheet editor in chief, Zack Miller. In the early days of Tearsheet over 10 years ago, we spent more time covering private markets for assets. Remember back, that was the crowdfunding and equity crowdfunding era. There was a view that this massive market, arcane in structure and available to the wealthy, would be opened up by ...
Navy Federal Sonic Branding Example
February 04, 2024 20:39 - 30 seconds - 1.15 MBThe heart of today's episode is a topic that's both innovative and harmonious—sonic branding. We'll embark on a fascinating journey of the power of creating ear worms to support financial services marketing, guided by two remarkable guests. Michelle Schoening, AVP, Marketing Communications & Design at Navy Federal Credit Union joins us to talk about the largest credit union in the US;s journey to create its sonic logo – we’ll get into the who, what, why, and how, as well as explore the impa...
How Navy Federal created a new sonic brand
February 04, 2024 17:58 - 26 minutes - 23.9 MBThe heart of today's episode is a topic that's both innovative and harmonious—sonic branding. We'll embark on a fascinating journey of the power of creating ear worms to support financial services marketing, guided by two remarkable guests. Michelle Schoening, AVP, Marketing Communications & Design at Navy Federal Credit Union joins us to talk about the largest credit union in the US;s journey to create its sonic logo – we’ll get into the who, what, why, and how, as well as explore the impa...
'Americans spend $170 billion a year just waiting for their next paycheck': Rain's Alex Bradford
January 31, 2024 06:27 - 25 minutes - 23.2 MBOne of the biggest trends that we’ve seen over the past 2-3 years is the emergence of early wage access, giving primarily gig and hourly workers access to their income on demand, as opposed to the hard-coded dates of a traditional payment cycle. Rain’s Alex Bradford joins me on the podcast to talk about what’s driving the demand for EWA and how Rain is challenging the status quo of some of hte larger players in the space. Rain works with some of the largest middle market and enterprise comp...
From AI to Blockchain: Mastering payment tech with Mastercard CTO, Ed McLaughlin
January 29, 2024 10:00 - 24 minutes - 22.5 MBWelcome to the Tearsheet Podcast where we explore the future of financial services with an eye on technology, innovation, emerging models and changing expectations. I’m Tearsheet’s editor in chief, Zack Miller. One of the tenets we founded this podcast and everything we do at Tearsheet – our reporting, conferences, awards programs, even our new Working Groups – is honesty. Honesty in what’s really important and impactful to you, our listeners and readers. It’s why we don’t use language like ...
Inside American Express' strategic move into business banking with Gina Taylor
January 24, 2024 06:53 - 22 minutes - 20.7 MBWelcome to the Tearsheet Podcast, where we explore the future of financial services with an eye on technology, innovation, new models, and changing expectations. I’m Tearsheet editor in chief, Zack Miller. I don’t know if you’ve noticed but American Express over the past couple years has moved decisively into banking small businesses. We’ve definitely tried to track this evolution for the firm because it isn’t trivial – not for the firm and not for its customers. So, it’s not just an up-mar...
Behind the launch of Paze with Early Warning's James Anderson
January 16, 2024 06:10 - 33 minutes - 30.7 MBWelcome to the Tearsheet Podcast, where we explore the future of financial services with an eye toward technology, new models, innovation, and changing expectations. When Early Warning launched Zelle in 2017, it seemed a very big mountain to climb. For a bank-backed P2P payments app to replace or at least compete with Venmo seemed unbelievable. Venmo was clearly one of the most popular consumer fintech apps. But if you look at the growth today, Zelle slowly but surely surpassed PayPal’s favo...
How Affirm and Credit Karma make products Gen Z loves
January 12, 2024 06:47 - 43 minutes - 39.5 MBWelcome to the Tearsheet Podcast, where we navigate financial services together, with an eye on technology, innovation, new models, and changing expectations. I’m Tearsheet editor in chief, Zack Miller. This is the final episode in our special podcast series on Gen Z, 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 social issues. On this episode, we’re going t...
What to expect in financial services in 2024 with i2c's Serena Smith.
January 10, 2024 06:27 - 28 minutes - 25.8 MBWelcome to the Tearsheet Podcast, where we navigate financial services together. We explore the future of financial services with an eye on technology, innovation, new models, and changing expectations. I’m Tearsheet editor in chief, Zack Miller. In today's episode, we dive into the dynamic world of financial institutions and their strategies for the year 2024. I’m thrilled to have had the opportunity to sit down with Serena Smith, Chief Client Officer at i2c, whose next-gen platform empowe...
How Citi is rising to meet increased global demand for faster payments with Scott Damassa
January 04, 2024 07:54 - 26 minutes - 23.9 MBWelcome to the Tearsheet Podcast, where we explore the future of financial services with an eye toward technology, new models, innovation, and changing expectations. I’m Tearsheet’s editor in chief, Zack Miller. One of the themes we’ve been charting over the past couple of years is the impact of moving to a world defined by real time – or close to real time – financial services. Real time payments isn’t just a tweak, a turning of the speed dial – it actually changes value propositions, expec...
Tearsheet Talks: Lena Vann, Head of RESL Product & Risk Management, TD Bank
January 02, 2024 09:45 - 18 minutes - 17.3 MBLena Vann is SVP of Real Estate Secured Lending (RESL) Product & Risk Management at TD Bank. This fireside chat will focus on the evolution of lending to communities of color since the inception of mortgages to present day, from the unique and personal perspective of someone who grew up in a disenfranchised, urban community and later joined the industry. Lena Vann, Head of Real Estate Secured Lending (RESL) Product & Risk Management at TD Bank, will highlight the progress made, today's econ...
How Gen Z shops and how financial services can help
December 19, 2023 05:41 - 15 minutes - 13.9 MBWelcome to the Tearsheet Podcast, where we discuss the intersection of financial services and technology. In today's episode, we have a thought-provoking conversation with Jason Wilk, the founder and CEO of Dave, a neobank impacting the way Americans approach banking. Join us as Jason shares insights into Dave's mission, one that aims to level the financial playing field by providing free basic banking services to everyday Americans. Discover how Dave is at the forefront of catering to Gen Z...
Exploring the future of credit with Marqeta's Simon Khalaf
December 12, 2023 05:58 - 31 minutes - 29.1 MBIn this Tearsheet Live, Marqeta CEO Simon Khalaf will dive into the credit space, discussing why there’s been such little innovation in credit cards in decades, and what’s on the forefront for innovation in credit technology. He’ll share what this means for brands hoping to reimagine how they foster customer loyalty, and for consumers who are increasingly savvy about using credit to further their financial goals. Simon will also discuss how embedded finance will fuel the growth of credit ...
How Gen Z likes to get paid with DailyPay, Wise, and Amex
December 06, 2023 07:30 - 36 minutes - 33.8 MBWelcome to the Tearsheet Podcast. I’m Tearsheet’s editor, Zack Miller. This episode of the podcast explores how Gen Z interacts with financial services. We explore Gen Z's digital nature, their preferences for convenience, and their global outlook. The conversation touched on various financial tools and solutions offered by respective institutions to cater to Gen Z's needs. We discuss the importance of financial literacy, transparency, and authenticity in engaging and educating this generat...
'The Chief Data and Analytics Office is a team sport': Vanguard's Ryan Swann
December 01, 2023 09:18 - 29 minutes - 26.7 MBWelcome to the Tearsheet Podcast, where we explore the dynamic intersection of data, finance, technology, and innovation. I’m Tearsheet’s editor in chief, Zack Miller. In today's episode, we dive deep into the world of data-driven decision-making with Ryan Swann, the Chief Data and Analytics Officer at Vanguard. At Vanguard, Ryan leads the charge in leveraging data analytics, AI, and machine learning to empower investors towards financial success. With a career spanning over two decades in ...
The state of bill pay with Solutions by Text’s Nick Babinsky
November 29, 2023 07:49 - 24 minutes - 22.8 MBOn this Tearsheet Live, I'm joined by Nick Babinksy, Chief Product Officer at Solutions by Text. We're going to be talking about the state of bill pay, digital payment trends, and growing demand for text. The big ideas Shift Towards Text-Based Interactions: The trend is moving towards simplicity and convenience in bill payments, leveraging text-based interactions for ease and engagement."Text-based interactions offer simplicity and convenience in an era of overwhelming digital experiences."...
‘If you get Gen Z right, it will build your bank for the future’: Citizens Bank’s, Brendan Coughlin
November 21, 2023 09:20 - 34 minutes - 31.3 MBWelcome to the Tearsheet Podcast, where we dive deep into the intersection of financial services and technology. I’m Tearsheet’s editor in chief, Zack Miller. On today's episode, we have Brendan Coughlin, Vice Chair and Head of Consumer Banking at Citizens Bank, guiding us through the intricate world of banking transformations and how they're catering to the evolving needs of customers, including the Gen Z demographic. The conversation unfolds as Brendan shares invaluable insights into the...
Revisioning banking and BaaS last mile to safely deliver financial products
November 17, 2023 05:56 - 32 minutes - 29.6 MBWelcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. We’ve got a great show prepared for you today. We’re going to be talking about "Reimagining the Last Mile in Banking and the BaaS Business Models that will ensure Safe and Secure Delivery of Financial Products." We’ve assembled a panel of experts that will provide valuable insights into the current state and the future of Banking as a Service business models. You’ll hear how these models are morphing to reshape the...
The Gen Z Effect: Sustainability, technology, and the future of finance
November 13, 2023 09:55 - 43 minutes - 40.1 MBThis episode of the podcast explores how Gen Z’s penchant for bringing social issues to the forefront impacts the financial services they use and their choice of providers. We look at one particular partnership between Klarna and Good on You that demonstrates the power to serve Gen Z via a collaboration that combines sustainability with financial services. We’ll also explore how some of the largest financial institutions can navigate this new generation by more deeply understanding them – it ...
Wise's partnership with Swift helps modernize X-border payments for FIs
November 09, 2023 06:54 - 21 minutes - 19.8 MBWelcome to Tearsheet Live. I'm Zack Miller, Tearsheet's editor in chief. Recently, global money mover Wise and Swift announced a new Correspondent Services offering that will empower financial institutions to make sending money internationally faster, cheaper, and more convenient for their customers. By combining the strengths of Swift's global financial messaging network with Wise's innovative payments infrastructure, financial institutions, and banks looking to enhance their internationa...
The evolution of digital banking tech platforms and Deloitte BankingSUITE with Tim O'Connor
November 02, 2023 06:19 - 20 minutes - 18.7 MBWelcome to The Tearsheet Podcast, where we go deep into the ever-evolving world of modern financial services with the people making it happen. I'm your host, Tearsheet editor, Zack Miller, and in today's episode, we're diving into the digital banking landscape, its transformation, and how financial institutions are adapting to this new ecosystem. Joining me is Tim O'Connor, Principal at Deloitte in the United States, practice leader in digital banking and payments. He’s also responsible for...
Card Launching 101: Episode 3
October 29, 2023 18:02 - 26 minutes - 24.2 MBLaunching 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. But the work doesn’t end with launching a new card. There’s a whole world of promotion and growth to move a card from being just another option for a user to becoming top of her wallet. We’ve looked at the planning that goes into differentiating your card, into creating something n...
‘Legacy AP is dead’: Rho’s Everett Cook
October 25, 2023 05:31 - 19 minutes - 18 MBWelcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. In this episode, we're joined by Everett Cook, the CEO and co-founder of Rho, an all-in-one finance platform for businesses. Rho is changing the game by combining accounts payable, expense management, corporate cards, and commercial banking into a single comprehensive platform designed to empower CFOs and finance teams to achieve more in their day. During our conversation, we dive deep into Rho’s journey, from i...
'My goal is to provide very high levels of customer satisfaction at scale': Argyle's Shmulik Fishman
October 19, 2023 05:24 - 24 minutes - 22.1 MBWelcome 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 has had on mortgage banker Draper and Kramer, to conducting background checks as part of hirin...
How Greenlight and Mastercard build trust and market to Gen Z
October 18, 2023 08:43 - 30 minutes - 28.1 MBWelcome 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 social issues. Tearsheet thanks our sponsor Publicis Sapient for their support. Read more and d...
Card Launching 101: Episode 2
October 16, 2023 08:19 - 16 minutes - 15.3 MBLaunching 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 overall – the art and science of partnering is definitely improving with time and experience. Th...
Designing a winning UI/UX for financial services
October 13, 2023 05:48 - 26 minutes - 24.2 MBWelcome 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 around the intricate balance between customer experience and technological innovation. Olivia ...
How Bank of America helps Gen Z build responsible financial habits
October 11, 2023 07:44 - 33 minutes - 30.7 MBWelcome 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 connections to social issues. Tearsheet thanks our sponsor Publicis Sapient for their support....
What the Plaid and Brex CTOs learned scaling teams, skills, products during years of hyper growth
October 08, 2023 16:04 - 50 minutes - 45.9 MBWelcome 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 scaling and building product platforms that can support this growth. And a lot of times that require...
How Draper and Kramer is using income and payroll data to upgrade its mortgage borrower experience
October 04, 2023 06:47 - 36 minutes - 33.7 MBIt’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’s not just about efficiency – they know the cycle will turn back in their favor at some point, a...
Card Launching 101: Episode 1
October 03, 2023 05:40 - 23 minutes - 21.3 MBLaunching 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 entrepreneurs to really understand what goes into launching and managing a card. We wanted to shine some ...
Customer expectations in a digital world with Deloitte's Jonathan Valenti
September 28, 2023 04:59 - 18 minutes - 17.3 MBWelcome 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 influence of experiences from other industries on financial services. We discuss the role of tec...