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Best Tearsheet Studios podcasts we could find (Updated October 2019)
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Tearsheet is news, opinion, and analysis on the business of finance.Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.Where social media, technology and finance intersect.
 
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Welcome to the Tearsheet Podcast. I’m Zack Miller.Smaller financial institutions are finding a way to compete in a world of too big to fail banks. The Central Bank of Kansas City is an interesting case study. The bank is one of a small number of FIs in the US certified by the Treasury as a Community Development Financial Institution, serving pe ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Moven was founded in 2011 by Brett King. It was really early in the move to standalone digital banks, what we like to call Challenger Banks. Without branches and transacting via a telephone, the company was an early pioneer. Fast forward to 2019 and Moven is now lead by Marek Forysiak and has ad ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.We’re kicking off a new series here on the podcast called Blocks. In this series, we’re turning to entrepreneurs and professionals who are building the next generation of financial services leaders to understand better how they did it. How did they start with an big audacious idea and execute on ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.We’ve interviewed quite of few large incumbent financial firms about their innovation programs. They may be structured differently with different activities, metrics, and incentives, but they all have one thing in common: an attempt to combine the best internal and external resources to improve ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.On the heels of a closing of a $250 million credit facility, LendingPoint’s Tom Burnside joins us on the show today. The consumer lender has originated $1.4 billion in loans to individuals, targeting an underserved population of people with FICO scores in the range of 580-680. Tom talks about th ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Ricky Knox is my guest today on the show . A five time entrepreneur and the founder of international money transfer firm Azimo, Ricky continues to compete in fintech. His latest venture, Tandem, is a strong competitor in the UK challenger banking market. There aren’t many entrepreneurs who keep ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.There’s an interesting convergence going on right now. Ecommerce platforms like Shopify are getting into retail and payments, while payments firms like Square are going after powering the entire transaction. That’s definitely playing out in the evolution of the firm’s developer platform. Square ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.A new study from Escalent, a research consulting firm that does a lot of work in financial services, shows that growth is slowing across the digital ecosystem. It may be easy to wave this off but for fintech firms, this is extremely troubling. Startups that fail to consistently grow frequently p ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.It’s been 5 years since Citizens’ IPO. A lot has happened during that time and the bank continues to evolve and make changes. Today, Citizens is announcing its new “Made Ready” brand platform. As part of the launch, the bank is partnering with eclectic artist and musician Questlove. Behind the m ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.As an early online lender, Avant built a consumer lending business. And as the market evolved, Al Goldstein’s company found itself being better situated to also help banks enter digital lending. So, in addition to Avant, the firm launched a B2B service. Initially called Powered by Avant, Amount ...…
 
Welcome to the Tearsheet Podcast.Having a kid encourages a lot of families to start thinking differently about their finances. Sure, life insurance is a part of that discussion, but so is creating a will and getting your financial info secured in one place. Adam Erlebacher is co-founder and CEO of Fabric which provides sort of this organic expe ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller. It feels like everyone is talking about how cool the Apple Card looks. But Apple is just a beautiful example of a new type of credit card. Alongside the evolution of digital payments, something interesting is happening with physical credit and debit cards. From design, orientation, colors, and ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.In this episode, we’re announcing the winner of our first annual bank - fintech partnership award here at Tearsheet. I’m happy to say that TD Bank and Hydrogen won this year’s award. To talk about the partnership and how the two firms created a solid foundation for collaboration we have Jacob Ma ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.One of the themes we’ve explored on Tearsheet and here on the podcast is vertical payments. As tools become more flexible and companies and solutions providers target niche problems, we’re seeing more and more companies focus on payments as a strategic advantage.That’s definitely happening in tr ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Banks talk about deriving insights from their customer data. They want to provide actionable automated advice to their clients but they struggle just wrangling the data together. Flybits wants to help banks by taking their proprietary customer data — like the activities a customer has done in he ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.We’ve been covering the data aggregation industry because it’s our contention that getting this right is one of the underpinnings of modern finance. Sharing clean data between banks and apps may be somewhat of a boring business but it’s an important one. Plaid recently launched Liabilities, a pr ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.I really enjoyed the recording of today’s episode. It’s different than what you’ve heard before. On today’s show we have Dennis Budinich, chief culture officer at $20 plus billion Investors Bank with 160 branches and nearly 2000 employees. Joining us is Patrick Brigger, co-founder and chairman o ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.A lot of the discussion on this show centers around customer acquisition. You may have a great product or service but if you can’t profitably acquire new customers at scale, you run the risk of being dead in the water. So, many of our fintech and a growing number of our financial services guests ...…
 
Welcome to The Challengers podcast episode number 10. Your hosts Zack and Josh talk about Aussie challenger bank Judo and its success in raising a war chest of capital ($400 million). Unlike other challengers, the founders are in their fifties and are from the industry. Next up, Zack mentions Zerocard and its creative approach to providing debi ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Behind the scenes and underpinning modern financial technology is data. Consumers want to access their financial data in the apps they prefer and fintech and incumbent financial institutions are opening up sharing this info. There’s a move to standardize the data format and how it’s accessed. Do ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.One of the major themes we’ve been exploring through this podcast and through our reporting is this idea of embedded finance or finance everywhere. The idea is that as financial tools become more modular and APIs more powerful, every software company and every brand really can become a financial ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.In just five years, PayPal’s business financing solutions has serviced over 225,000 small businesses around the world with funding. Between PayPal Working Capital and PayPal Business Loans, the company has recently surpassed $10 billion of capital it’s leant out to SMBs And when you speak to Dar ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.One of the hardest things in serving the ultra high net work community is providing them with the type of analytics we’ve become accustomed to in other parts of financial services and investing. It’s been a challenge to provide investors and their investment advisors with pricing and performance ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Earlier in 2019, Equifax acquired Paynet, a company that provides commercial credit risk underwriting to online and alternative finance lenders, and commercial finance and leasing companies in the U.S. Bill Phelan is the co-founder of PayNet and is now the svp and general manager of Equifax Comm ...…
 
Visa wants to accelerate its work in the fintech community with the launch of its Fast Track program in the US today. The program aims to speed up the process of integrating with the firm's global payment network, VisaNet. Visa's svp and global head of fintech Terry Angelos joins us this episode to discuss Visa’s broader global strategy to cham ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.What does car racing have to do with financial services? Actually, a lot. Many of the same dynamics persist — improving car and driver performance, optimizing operations and sustainability. Substitute financial performance, personalized product marketing, and risk management and now you’re talki ...…
 
Tearsheet's Sara Toth Stub published this week on the growing trend of on-demand transportation companies introducing financial products. Ride hailing firms like Lyft and Uber have rolled out debit cards for drivers and it probably won't be long until some sort of loyalty cards are rolled out for consumers, too.Sara discusses what's in it for U ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.For US entrepreneurs, it was strange what was happening overseas. There wasn’t one but a handful of challenger banks launching that were changing the entire banking experience. Singup was quick — there was a buzz around their FX, lending, and spending products. But when you looked at what was ha ...…
 
N26 finally launched in the US and Josh and Zack explore how the challenger bank structured its launch (100,000 beta users and via a banking partner). Your hosts also explore what this means for the other European challenger banks gearing up to launch like Monzo and Revolut.Next up, Zack mentions MoneyLion's $160 million investment which includ ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Being an effective venture capital investor in fintech requires staying on top of consumer trends. Understanding the evolving nature of the end customer can make the difference when it comes to outsized returns (a little luck never hurts, either). Yann Ranchere, partner at Anthemis, has been in ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Stephanie Schultz is the vp and head of emerging strategic partnerships at American Express. In that position, she designs plans and executes partnerships focused around emerging payments and new commerce experiences. Stephanie joins us on the podcast to discuss the role the Digital Labs team pl ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Rina Papler has been working in brand strategy for over 20 years. That means she’s worked with many of today’s top financial brands with market positioning, messaging, and their product portfolios. As a partner at MBLM, she was instrumental in creating her firm’s research on brand intimacy — the ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.There are a handful of firms gunning to become leaders in the challenger bank space. There are the usual suspects, like Revolut and N26. But there are others firms that are growing their userbases and assets. One of those companies is CARD. It has 600,000 accounts and $3 billion in customer depo ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Beyond the crazy things happening with digital currencies and crypto, there are companies building real businesses in digital assets. Grayscale is a digital asset manager for investors to get access this new asset class. Directly buying cryptocurrencies is complicated, so Grayscale has created s ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.We don’t spend a lot of airtime on the podcast talking about what happens behind payments and ecommerce transactions, particularly when it comes to ID verification. It’s technical and more than anything, an enabling technology. But from time to time, we invite on companies that are doing somethi ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.As favorite apps like Uber and Doordash incorporate new financial services, the spotlight is being increasingly shone on the companies powering the trend towards finance everywhere. Banking as a Service firms are turning every company into a bank. Synapse is one of the companies leading this cha ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.Why is it that so many big transformational projects at large financial companies fail to move the needle? My guest today is Gary Hoberman. In his previous role as the CIO at MetLife, he led large digital initiatives across silos and geographies. As the founder and CEO of Unqork, Gary has a bold ...…
 
In the wake of last episode's eulogy for JPMC's Finn, your hosts explore exit strategies for the top challenger banks. Who buys these companies and do they get bought at technology premiums? Josh and Zack are both skeptical that they have a clear exit strategies. They discuss IPOs, and getting bought by large banks, telecoms, and payment compan ...…
 
Welcome to the Tearsheet Podcast. I’m Zack Miller.For venture investors, it’s really hard picking winners consistently over time. Kelly Ford, a partner at Edison Partners, has been studying the attributes of successful startups in her work on Edison’s Growth Index. For more than 30 years, the venture firm has been helping CEOs and their teams g ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller. Tearsheet recently ran Sara Toth Stub's article on the emergence of a new type of challenger bank. This financial institution is technology-enabled but doesn't necessarily have global ambitions. It's focused instead on serving a local or niche community. Sara joins us on the podcast to talk abo ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.As an integrated payments provider for platforms, WePay works with software firms like FreshBooks and BigCommerce to help small businesses get paid faster. Today's guest on the podcast is Tina Hsiao, the firm's chief operating officer. In her seven years with the company, she's worn a variety of ...…
 
Josh and Zack conduct a post-mortem on Chase's now-defunct Finn digital bank. Josh composed a eulogy that includes a lot of language from Finn's launch PR in 2017. Apparently millennials weren't looking for things like 'happiness', 'emotions', and 'reflection' from their banking app.Anyway, the hosts said that incumbent banks should play to the ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.A lot of fintech is in your face. It's loud and brash and wants you to know how good it is. When Dave launched, the personal finance manager flew under the radar. To me and to Tearsheet, at least. But 3.5 million registered users turn to Dave to help them track expenses, avoid overdraft fees, an ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.Back in the day, everyone — well, not everyone but certainly the vocal majority — thought it made sense to start non-bank lenders and go head-to-head with banks. OnDeck and Lending Club were headed to IPO. Somehow, what was overlooked was how hard and expensive it is to compete with banks' low c ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.We frequently talk about the reliance of banks on their tech providers for new products. This interaction becomes more complex for community banks which frequently lack the deeper pockets of bigger competitors. But their size and physical presence within communities can be a competitive advantag ...…
 
Welcome to the Tearsheeet Podcast. I'm Zack Miller.While it may lack the sexiness found in the consumer space, B2B payments are experiencing their own form of transformation. With complicated buying cycles and the complexity of getting different silos, organizations, and companies to communicate with one other, B2B payments still run years behi ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.Steering the marketing and strategy for one of the largest brands in financial technology is no small feat. Today's guest is Ellyn Raftery, chief marketing and strategy officer for FIS. She's spent a big part of her career running professional services marketing and we talk about the special att ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.Frank Sanchez has been in the core banking technology space for 35 years. He's back with Finxact, a SaaS core banking system that's gunning for the big providers. Frank joins us on the show to talk about how modern banking requirements have evolved throughout his career and what Finxact is doing ...…
 
Welcome to the Tearsheet Podcast. I'm Zack Miller.Technology continues to infuse new product offerings. But tech's influence is also permeating organizational structures and internal processes in some of the largest financial firms. When Barry Libenson joined Experian four years ago as the global CIO, he entered a very different organization th ...…
 
We haven't done a whole lot of work on this show regarding chargebacks or the new approaches to authentication. How does fintech improve the conflict resolution process on credit card payments? Total costs associated with chargebacks can add up to nearly 10 percent of a merchant's total payment costs. A recent report published by Javelin tallie ...…
 
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