497 episodes

Tearsheet Podcast explores financial services together. We're the podcast of record for news and opinion about the finance industry. Weekly, we identify, track, and analyze top trends impacting the business of finance, with an eye on the digital disruption wrought by fintech and new financial technology. Every week, your host, Zack Miller, Tearsheet's founder and editor in chief, interviews thought leaders, senior executives, and entrepreneurs helping to form the next generation of financial services and technologies.

Tearsheet Podcast: Exploring Financial Services Together Tearsheet Studios

    • Business
    • 4.9 • 31 Ratings

Tearsheet Podcast explores financial services together. We're the podcast of record for news and opinion about the finance industry. Weekly, we identify, track, and analyze top trends impacting the business of finance, with an eye on the digital disruption wrought by fintech and new financial technology. Every week, your host, Zack Miller, Tearsheet's founder and editor in chief, interviews thought leaders, senior executives, and entrepreneurs helping to form the next generation of financial services and technologies.

    Chase's new cash flow-focused solutions for SMBs with Jameson Troutman

    Chase's new cash flow-focused solutions for SMBs with Jameson Troutman

    Chase's new cash flow-focused solutions for SMBs with Jameson Troutman by Tearsheet

    • 43 min
    Bluevine’s recipe for Small Business Banking: Unlocking financial efficiency for SMBs

    Bluevine’s recipe for Small Business Banking: Unlocking financial efficiency for SMBs

    On our exploratory journey of what it takes to build world-class products in financial service, today we have a conversation with Herman Man, the Chief Product Officer at Bluevine. We sat down with him to discuss how the fintech company is revolutionizing small business banking. He shares how Bluevine aims to serve as a comprehensive financial OS for small businesses, providing a suite of solutions that includes business checking accounts, accounts payable solutions, and lending and credit services. "Our goal always was to really be the financial OS, if so to speak, for these small businesses," Herman explains.

    The conversation delves into Bluevine's origins, the evolving needs of small businesses, and the innovative approaches they are taking to meet those needs. This narrative weaves together Mann's insights, providing valuable guidance for industry professionals and stakeholders.

    Herman Mann is my guest today on the Tearsheet Podcast.

    • 43 min
    Streamlining financial ops: BILL's Irana Wasti on integrated solutions for SMBs

    Streamlining financial ops: BILL's Irana Wasti on integrated solutions for SMBs

    In this episode of the Tearsheet Podcast, I am joined by Irana Wasti, Chief Product Officer at BILL. Irana has a background in product management and a strong passion for serving SMBs worldwide. Throughout her career, Irana has focused on developing tools to assist SMBs in starting, growing, and thriving. She emphasizes the importance of scalable and user-friendly technology solutions that cater to the evolving needs of SMBs. As the fintech industry continues to grow and adapt, Bill.com stands at the forefront of providing integrated financial operations solutions for SMBs.

    In this episode, discover more about how Irana Wasti and the team at Bill are impacting financial management for SMBs through software and payment solutions. Learn about the impact of AI on decision-making processes, the evolution of SMB tech stacks, and the strategies employed by BILL to empower SMB owners in optimizing their cash flow.

    • 33 min
    Mobile services are unleashing new banking frontiers with Gigs' Hermann Frank

    Mobile services are unleashing new banking frontiers with Gigs' Hermann Frank

    Earlier this year, we first heard news from Revolut and then Nubank launching mobile services. At the time, it just seemed like a story about cross marketing and selling. Both neobanks have large audiences, and selling a mobile plan would likely make some ancillary money.

    A few years ago, things were happening in the reverse direction – it seemed the big US telephony companies were all interested in getting into banking. A few offerings were launched but not much really came of it.

    But it feels like something is different now. Both Revolut and Nubank partnered with Gigs, which has been referred to as the Stripe of mobile. As co-founder and CEO Hermann Frank said in TechCrunch, these firms are working to “create an ecosystem where banking acts as a hub for multiple value-added services.”

    “Bundling mobile plans represents a powerful lever for neobanks to turn irregular users into monthly paying subscribers, encourage upgrades to premium features, and create an ecosystem where banking acts as a hub for multiple value-added services,” he said.

    Hermann joins us on the Tearsheet Podcast. We explore how traditional phone plans, once mere commodities, are transforming into extensible platforms for innovation. Hermann shares insights on how programmable connectivity enables neobanks to create sticky, world-class digital experiences that surpass the limitations of conventional telecom services.

    Hermann Frank is our guest on the Tearsheet Podcast.

    • 27 min
    On product strategy and digital transformation with Green Dot's Melissa Douros

    On product strategy and digital transformation with Green Dot's Melissa Douros

    We’re continuing on this exploration of what it takes to build world-class products in financial services. Today, we have a fascinating conversation with Melissa Douros, the Chief Product Officer at Green Dot.

    Green Dot is an interesting amalgamation – it’s one of the first banking as a service companies. But it’s also a bank. With a configurable platform, Green Dot has carved out a kind of a unique space in the industry, as an OG fintech/bank.

    In this episode, Melissa shares her insights on digital transformation, product development strategies, and the role of emerging technologies in the fintech space. With over 20 years of experience in financial services, she brings a wealth of knowledge and a forward-thinking approach to her role at Green Dot.

    We delve into topics such as what it takes to build the best banking experience, accelerating partner onboarding, leveraging data for strategic insights, and exploring cutting-edge technologies like AI and biometrics. Melissa's passion for delivering exceptional customer experiences shines through as she discusses the pillars of a successful product strategy.

    Whether you're a fintech enthusiast, a product professional, or simply interested in the future of banking, this conversation is sure to provide valuable insights and thought-provoking perspectives.

    The big ideas

    Focus on delivering the best customer experience. "Our real focus is having people giving people the ability to transact with us the way that they want to."

    Have a clear long term vision while executing short term goals. "How do we create that roadmap within each one of those that’s going to deliver on our vision?" 

    Understand partners' needs and build tailored solutions. "We build out the solutions for them. So while we're showing them the things that we have, and the things that we can do, we're truly understanding where their problems are and their pain points."

    Build reusable features to accelerate delivery. "We want to make sure that we have this fantastic reusable architecture, we actually have a team right now and an offsite figuring out an exact way to do that for a partner opportunity."

    Use emerging tech like AI to solve specific problems. "I want to know what problems we have to solve? And then how are we going to use an emerging technology to do so."

    • 26 min
    The data-driven playbook for growing a small business loan book with Enova's Cory Kampfer

    The data-driven playbook for growing a small business loan book with Enova's Cory Kampfer

    Joining us today is Cory Kampfer, President of Small Business Lending at Enova, which operates the leading small business lending brands OnDeck and Headway Capital.

    Cory has been immersed in the small business lending space since 2011 when he joined OnDeck. Over his tenure, he's witnessed the evolution of fintech lending and how it has transformed access to capital for Main Street businesses like retailers, contractors, accountants and more.

    In this episode, Cory provides his unique perspective on the key financial needs and challenges facing small businesses today based on data insights from Enova's $18 billion in originated loans. He discusses how fintech lenders like OnDeck are able to better service this market compared to traditional banks and other financing sources.

    Cory also shares how the borrower experience and application process has progressed over the years to become quicker and more digital-friendly. We'll learn what metrics and approaches Enova uses to continually improve that journey.

    Whether you're a small business owner, entrepreneur, or just interested in the lending landscape, this is an insightful discussion you won't want to miss. Let's dive in!

    The big ideas

    SMBs struggle to access financing from traditional banks: "There still is a real gap in terms of traditional banks and financing sources lending to small businesses, not because I don't think they may want to, but they're just not calibrated to do it very well."

    Online lending has become more accepted and appealing to SMBs: "What we see more that's very different from what we started with is, people, in many cases, go first to an online lender, because the application process is just so quick and easy. And they can get the answer that they need."

    Using technology and data analytics is key to efficiently underwriting SMB loans: "We need to leverage technology. We have lending algorithms that help us through machine learning to give offers in a much more automated way...you need to leverage the data and the analytics, which our teams ingest, and then can give you a loan offer in the matter of minutes or hours."

    A smooth application experience is crucial for attracting and retaining SMB borrowers: "In the application process, we want it to be a quick and easy process for them to be able to get through it...it's great to see that kind of repeat traffic because obviously what we did is working to help them grow their business."

    SMBs are optimistic about growth despite challenges:
    "The survey we just did, what it screams is that small businesses are very optimistic. They're hiring – you can see that in the data in terms of their investing more in employees. That's kind of putting their money, where their mouth is."

    • 44 min

Customer Reviews

4.9 out of 5
31 Ratings

31 Ratings

obacker19 ,

Empowering, insightful and actionable! 🔥

Whether you’re well established as someone innovating in the world of banking and fintech, or just getting started as a catalyst for change within your organization - this is a must-listen podcast for you! Zack does an incredible job leading conversations that cover a huge breadth of topics related to the ins and outs of successfully navigating an ever changing financial landscape - from leaders who’ve actually walked the path. Highly recommend listening and subscribing!

CedoMir01 ,

Great guests and content!

Perfect length, the podcast strikes the right balance of not too long, but just long enough to squeeze really interesting and valuable content out of each guest. I've enjoyed the recent focus on fintech, InsureTech, and marketing.

Rai 1234987 ,

Fascinating conversations on emerging tech

Fascinating conversations on emerging tech

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