Tearsheet Podcast: Exploring Financial Services Together

00:29:52

Nubank's Ethan Eismann: 'You have to love your...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/09/29

Nubank spent thirteen years building one of the most loved financial brands in Latin America, growing past 140 million customers across Brazil, Mexico, and Colombia. This month, that brand entered the US for the first time, launching Nu Global alongside a dedicated US product built around a Nu Account and a no-annual-fee credit card.Ethan Eismann is the executive tasked with making that experience work. As Nubank's first Chief Design Officer, reporting directly to founder and CEO David Vélez,

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00:15:38

Over and Underhyped: The banking trends we’re getting...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/09/16

For the second episode of The Editors’ Room, we flipped the format around. One trend we think the industry is overhyping, and one that isn’t getting nearly enough attention.Managing Editor Sara took the overhyped side: the race to become a customer’s primary financial relationship. Founding Editor Zack’s underhyped pick was something that gets little attention in the larger scheme of things: the continued importance of bank branches.

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00:24:47

Venture banking 3.0: How Stifel is rebuilding trust...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/09/08

When Silicon Valley Bank collapsed in March 2023, it took with it a bank that had quietly become infrastructure for the startup ecosystem, holding the majority of the venture debt market and serving as the one relationship founders and fund managers trusted for everything from a wire transfer to an introduction. Bigger banks and a wave of neobanks moved fast to fill the void. Three years later, the question is whether either one actually replaced what SVB was.Today I'm joined by Katya Kohen,

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00:23:59

Live Oak Bank's BJ Losch on why AI is an accelerant,...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/08/26

Most banks seem to chase small business customers as one segment among many. Live Oak Bank was built around a bet that specializing beats generalizing — and it started about as narrow as a bank can start, lending only to veterinarians. Today, Live Oak has grown that thesis into 40 verticals, holds the top spot among all SBA 7(a) lenders by dollar volume, and has done it all without a single branch.My guest is BJ Losch, president of Live Oak Bank. Live Oak has never had a physical location, yet its

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00:35:10

“Amy has the what. I help with the how”: Inside Bank...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/08/24

Amy Avery, Managing Director, Analytics, Modeling and Insights, took her job at Bank of America because of a number. When she interviewed at Bank of America, she was told that the bank interfaced with, at the time, 67 million clients. "Gosh, that's so much information," she remembers thinking. "Think about what you could do with that.” She started in January 2020. Two months later, the pandemic made that abstraction very literal: the bank suddenly needed to know, in real time, how its customers were

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00:30:19

How enterprise AI is moving up the stack in 3 layers

Tearsheet Podcast: Exploring Financial Services Together ·

2026/08/19

Welcome to The Editors’ Room, a new Tearsheet Podcast series where Editor-in-Chief Zack Miller and Managing Editor Sara Khairi take the conversations that usually happen behind the scenes about our biggest stories and put them on the record.There isn’t a rehearsed interview or carefully choreographed panel answers. It’s just two editors comparing notes, challenging each other’s takes and trying to make sense of what is actually happening in financial services. Think of it as pulling up a chair

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00:20:50

Mastercard's Marc Pettican on the road to a $17.4...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/08/05

Every account payable and account receivable department runs on the same friction: invoices chased four or five times, payments late more than 30% of the time, and credit control teams that can run 20, 30, even 50 people deep at a mid-sized corporate. Virtual cards were built to solve exactly that problem, and the growth numbers show it — spend is projected to hit $17.4 trillion by 2029, according to Juniper Research. Today I'm joined by Marc Pettican, global head of corporate solutions at

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00:29:32

How BILL is rebuilding for the Fortune 5 million and...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/07/13

For most small and midsize businesses, financial operations still look a lot like they did a decade ago. Bills get keyed in manually. Receipts pile up. W-9s get chased down at tax time. While the tools have multiplied, the work hasn't gone away. “Most finance teams work in an incredibly manual way,” says Michael Cieri, Chief Product Officer at BILL. “There's a ton of work done by finance professionals that could be automated, and could actually be done better through the use of technology.”The gap

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00:39:34

Trust, stablecoins, and the AI margin squeeze:What...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/07/01

Welcome to 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. Fintech just lived through four distinct ages — pioneers, growth-at-all-costs, the 2021-22 hype cycle, and the brutal reset that followed. Now we're in a fifth: bigger, more profitable, and more disciplined than any version that came before it. Stripe's reportedly eyeing a six-figure-billion

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00:23:10

How Figure and Method closed the loop on debt...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/06/24

Debt consolidation has always rested on a promise lenders couldn't verify. A borrower takes out a HELOC, says they'll pay off their credit cards, and the lender hands over the cash and hopes for the best. Credit bureau data lags by 30 days. There's no mechanism to confirm the debt actually got retired. And a significant share of consolidation borrowers end up re-accumulating balances — leaving lenders with paper that performed worse than expected and borrowers worse off than before. Figure and

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00:26:26

The bank account is the product: Slash's bet on...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/05/20

Small business banking has always had a structural problem: the companies that hold your money and the companies that build your financial software have been two different things. One moves the money, the other tracks it, and small business owners are stuck in the gap between them. A new generation of fintechs has been trying to fix that, but most are still building horizontal tools for every business everywhere. The more interesting bet is vertical, going deep into the specific workflows of a

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00:28:28

How Kudos built a consumer data moat on top of credit...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/05/13

Most people leave money on the table every time they swipe — not because they're careless, but because the credit card rewards ecosystem is genuinely complicated. Thousands of cards, millions of merchants, shifting bonus categories, buried benefits. The promise of AI is that it can do that optimization work invisibly, in the background. Today I'm joined by Tikue Anazodo, co-founder and CEO of Kudos — an AI-powered smart wallet that tells you which card to use at checkout, recommends cards based on

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00:23:12

Stablecoin infrastructure is rewiring cross-border...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/05/04

Unlock how stablecoin infrastructure is transforming cross-border payments, global treasury, and enterprise fintech strategy. In this episode, Avinash Chidambaram, Founder & CEO of Cybrid, breaks down how stablecoin rails are becoming production-ready payment infrastructure for fintechs, neobanks, and enterprises seeking faster settlement, lower fees, and programmable global money movement.Discover why regulatory clarity through frameworks like the GENIUS Act and MiCA is accelerating stablecoin

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00:18:30

How Block built a $200 billion credit operation by...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/04/22

The credit system in the US was built on a fundamental assumption: that past borrowing behavior predicts future risk. That assumption has left roughly 100 million Americans essentially invisible to lenders — no score, thin file, or a history that doesn't reflect who they actually are financially today. The result is a system that compounds exclusion, requiring debt to unlock debt, and pricing risk so conservatively for anyone outside the norm that the cost of capital itself becomes a barrier.Juan

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00:24:44

How Huntington modernized without touching the core...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/04/08

The pressure building on commercial banks today comes from several directions at once. Corporate treasurers are younger, more digitally native, and less tolerant of manual reconciliation. Business structures are more complex: A franchisee group running fifty locations needs fifty entities managed cleanly, not fifty separate bank accounts generating a month's worth of reconciliation work. And the banking core, the ledger system that underpins it all, was never designed to flex at this pace.The

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00:22:17

Squarespace's Corey Zettler on building a financial...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/04/07

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 over the past few years, something has changed. Squarespace has been building a financial stack. Payments launched in 2023. Capital followed in 2025, offering merchants flexible financing based on their sales history. And just two weeks ago, Squarespace launched Balance, a native business financial account integrated directly with Squarespace Payments,

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00:28:35

How Paze is betting bank trust can crack the digital...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/04/01

Early Warning built Zelle into the dominant peer-to-peer payments network in the U.S. — processing over a trillion dollars in yearly transactions. Paze is their next bet: a bank-backed digital wallet for e-commerce checkout, backed by the same seven major banks, designed to bring that same institutional trust to online shopping.Serge Elkiner came on as GM in late 2024, brought over from Visa where he ran product for money movement globally. His mandate is to unlock what that network can do at

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00:16:58

How KeyBank and Qolo are modernizing corporate...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/03/26

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 banking clients, that's still the reality because the systems tracking it haven't kept up. Banks know this. Most of their commercial clients know this. The gap between what legacy infrastructure can deliver and what today's treasury teams actually need has been widening for years, and the banks that aren't solving it are starting to lose ground to those

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00:34:59

How Modern Treasury is building a payments platform...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/03/10

For years, companies that needed to move money at scale faced the same frustrating tradeoff: build their own bank integrations and compliance infrastructure — a process that could take months — or stitch together a patchwork of specialized vendors, each covering a different rail.Modern Treasury has spent years sitting inside that problem, providing software infrastructure to help companies integrate with their banks, track funds, and manage ledgering at scale. Now, the founders have taken the

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00:24:30

Truist's Dontá Wilson: 'Innovation without empathy is...

Tearsheet Podcast: Exploring Financial Services Together ·

2026/03/04

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 human at the same time? Most banks have picked a lane: either betting on digital efficiency or doubling down on relationship banking. But consumers aren't asking for one or the other. They want both. They want their banking app to work flawlessly when they need it, and they want someone who actually knows them when it matters.My guest today is Dontá

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