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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

00:15:59

How design-thinking powers Temenos' empathy-driven...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/09/25

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 Erik Johnson, Head of Product Design, at the helm. For Johnson, creativity and collaboration go hand in

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00:20:23

Why record keepers are becoming workplace financial...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/09/18

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 things like automatic enrollment and automatic increase, that's where it starts,“ explains Will Hicks,

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00:31:14

The jazz ensemble approach: How Fundbox's dual...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/09/17

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, CEO of Fundbox, and Anchit Singh, the company's Chief Business Officer, to explore how they've

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00:26:12

How cloud-native core banking helped EQ Bank grow...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/09/02

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-driven innovation. Behind it all is a long-standing relationship between EQ and Temenos that encourages

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00:25:47

How Citi is helping insurers compete in an always on...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/08/25

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-centricity have become paramount. With traditional insurers working to adopt new technologies within legacy

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00:32:45

Banks can't duct tape their way out of legacy system...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/08/12

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 what they already have, and eventually they break," explains Ritesh Rihani, Vice President of Enterprise

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00:12:07

How Temenos is leading banking forward through...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/08/06

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 customer centricity above all else. “There is this reliability, this expertise that’s needed to make sure

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00:24:57

'Value will accrue at the application layer':...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/08/06

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 joined by Juan Lopez, General Partner at VanEck Ventures, where he focuses on investments at the

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00:22:53

How to serve customers better at the...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/07/31

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 of this shift. Under his leadership, Galileo recently powered Wyndham Rewards’ launch of what's being

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00:20:22

How U.S. Bank is becoming the re-bundler of SMB...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/07/30

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 that SMBs are looking to their FIs to collapse these various digital solutions into one integrated

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00:21:53

How FIS and Episode Six are helping FIs expand their...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/07/23

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 provider, will now be working with FIS to deliver a cloud-based, end-to-end digital payments platform

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00:26:35

How Petal founder Andrew Endicott proved alternative...

Tearsheet Podcast: Exploring Financial Services Together ·

2025/07/16

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-founder of Petal, he pioneered what they called “cash flow underwriting”—using real-time bank data

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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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54 results

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