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PODCAST

Tearsheet Podcast: Exploring Financial Services Together

Tearsheet Studios

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.

business business news

All Episodes

00:34:32

Meet the AI lending officer: How algorithms are...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/07/01

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 financial services. Joining us are Jonathan Kolozsvary, Global Head of Small Business at Visa, who brings

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00:22:59

The Harmony Gap: Why banks lose $100M annually when...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/06/26

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 at the end of May in Orlando, Florida.. "But we had not been able to quantify that." His firm’s

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00:49:37

How to get started with embedded lending and drive...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/06/25

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 continues to accelerate. For firms that can successfully navigate this landscape, embedded finance offers a

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00:35:14

“Embedded investing isn't a feature — it’s a...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/06/11

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 digital transformations. And infrastructure companies are scaling to meet growing demands.To help us

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00:29:29

Inside Mastercard's push to move LATAM's small...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/06/03

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 hereAcross Latin America, we’re witnessing a massive shift as regions traditionally dominated by cash transactions begin embracing digital financial tools. This transition represents more than just technological adoption—it’s creating

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00:28:18

Serving the global majority: How Tala is reshaping...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/04/23

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 fascinating intersection of opportunity and impact with David Lask from Tala. Tala has built a

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00:25:34

"Taking the hardest path in payments": How Adyen's AI...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/04/15

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 delivered.Today, I'm delighted to welcome Davi Strazza, President of North America at Adyen, a global

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00:25:34

Zip CEO Joe Heck: Expanding financial inclusion...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/04/11

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 his approach to financial services. Growing up in Flint, Michigan, he understands the challenges of

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00:35:14

How Citi is enabling banks to drive growth and remain...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/04/07

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 Solutions (TTS), dives into how the bank's 24/7 US dollar clearing business, as well as solutions like Worldlink

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00:30:45

The new economics of wealth management:...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/03/11

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, and how progressive firms are reimagining compensation models. We'll also look at the hybrid approach

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00:29:45

How Lower uses technology and humans to simplify...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/02/19

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 has grown into one of the largest venture-backed home lenders in the United States. Dan is driven by a commitment to simplifying the home financing process through technology.“We’re not just building a mortgage company,” says Snyder. “We’re creating a comprehensive platform. It will make homeownership more accessible, especially for younger buyers.”

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00:37:00

‘Lightning in a Bottle’: Frank Chaparro on...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/02/12

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 years of experience at the intersection of digital assets and Wall Street. Frank offers a unique perspective on blockchain technology and tokenization, highlighting their early impact on financial markets and projecting out where Web3 may lead for financial services.“When you’re managing trillions of dollars, offering new, innovative products isn’t

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00:29:30

Temenos CPTO Barb Morgan on measuring ROI, step by...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/02/11

Banks have a challenging time responding to technological leaps like AI primarily because of their compliance-comes-first approach. Financial institutions must also manage the technological debt of their legacy systems when approaching modernization. On this episode of the Tearsheet Podcast, Temenos Chief Product and Technology Officer, Barb Morgan, offers a refreshing perspective on how financial institutions can embrace technology while maintaining their human touch. Her insights reveal how

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00:33:36

How AI is disrupting finance & how companies can...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/02/06

On this episode of the Tearsheet Podcast, Nigel Vaz, CEO of Publicis Sapient, discusses how AI is fundamentally changing the financial services industry. Nigel shares his deep insights on how financial institutions can navigate this technological disruption, from enabling broader access to wealth management to AI-driven credit models in mortgage lending, and on why some banks are better positioned than others to capitalize on AI's potential.

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00:25:41

Building the digital financial infrastructure of...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/01/21

APIs have evolved from simple data connectors to the fundamental architecture driving financial innovation. In this episode of the Tearsheet Podcast, I speak with John Pitts. Plaid’s John Pitts reveals how they’re driving open banking and empowering consumer control. He is the Global Head of Policy at Plaid. With a career spanning regulatory and policy roles, Pitts brings a unique perspective to the table. He discusses the evolving role of APIs in financial services. From his role at the Consumer

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00:22:36

Can cryptocurrency and blockchain drive fintech...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/01/13

Could cryptocurrency be the key to bridging financial gaps? Can it create a more inclusive global economy?Digital assets like stablecoins and blockchain technology are reshaping how we think about money. Their potential to level the financial playing field is becoming clearer. In today’s episode of the Tearsheet podcast, I sit down with Lisa Nestor, Research Director at the Stanford Future of Digital Currency Initiative to discuss how fintech innovation is paving the way for broader financial

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00:26:22

From Bitcoin to Tokenized Assets: A roadmap for Web3...

Tearsheet Podcast: Exploring Financial Services Together ·

2024/11/14

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? As the cryptocurrency and Bitcoin market evolves, Bitcoin's price swings draw attention. Traditional banks explore blockchain cautiously. People are curious about the current stage of Web3 development. The question remains: where are we on the timeline? Today's episode of the Tearsheet podcast features Rumi Morales. She is a partner and board member

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00:27:45

How U.S. Bank is reinventing itself for the digital...

Tearsheet Podcast: Exploring Financial Services Together ·

2024/10/30

In an evolving financial landscape, US Bank has emerged as a leader in digital transformation. It has reshaped the way customers interact with their finances. Today's episode of the Tearsheet podcast features Gareth Gaston, Chief Product Officer of Digital Platforms at US Bank. He discusses the bank's decade-long journey of innovation and customer-centric development."We've been on a multi-year journey on digital transformation across all facets that you can think of digital," Gaston explains

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00:49:20

Banks need a north star for successful core...

Tearsheet Podcast: Exploring Financial Services Together ·

2024/10/23

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 the complex legacy spaghetti of multiple software systems, struggle to access talent that can manage their tech, and alienate customers that expect the best of everything. Although the choice is obvious, going through with core modernization is extremely hard. Guests on the show have been excited about moving to the cloud for many years, but very few

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00:10:48

How supporting SMBs creates a thriving economy &...

Tearsheet Podcast: Exploring Financial Services Together ·

2024/10/22

SMBs face critical challenges such as lack of access to credit, barriers for women entrepreneurs, and lower levels of digital enablement, which have limited their growth and success globally.Salah Goss takes us through the Mastercard's SMB strategy, which through initiatives like Strive, focuses on easing credit access, providing digital tools, and building networks, with a particular emphasis on empowering women-led enterprises and fostering community-driven growth.

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62 results

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