266 episodes

Tearsheet Podcast is 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, founder of Digiday Media's Tearsheet, interviews thought leaders, senior executives, and entrepreneurs helping to form the next generation of financial services and technologies.

Tearsheet Podcast: The Business of Finance Tearsheet Studios

    • Business
    • 4.9 • 27 Ratings

Tearsheet Podcast is 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, founder of Digiday Media's Tearsheet, interviews thought leaders, senior executives, and entrepreneurs helping to form the next generation of financial services and technologies.

    The roadmap ahead for Square Banking with Luke Voiles

    The roadmap ahead for Square Banking with Luke Voiles

    Welcome to the Tearsheet Podcast. I’m your host, Tearsheet’s editor in chief, Zack Miller.

    This following is part of a new series we’re running. It’s called the Big Bank Theory, and it’s all about the future of banking. We see three options going forward: in the march towards digital, people will gravitate towards the digital arms of incumbent banks, give their business to new upstart challenger banks, or the biggest opportunity, which is bank with the brands they love. Through embedded finance, people are increasingly turning to companies they frequent often -- could be a big retail player like Walmart or SMB accounting software like QuickBooks -- to plan, store, and move money around.

    The following series includes content from Tearsheet’s The Big Bank Theory Conference, held in November 2021. We had three full days with the top companies and professionals defining what banking looks like today and into the future. We heard from large incumbents like Bank of America and startups like Current.

    Zack 1: Square is one of the next generation technology companies that is absolutely part of the fabric of the future of banking. With a seller ecosystem of millions of merchants and the popularity of its Cash App, Square received a banking license in 2021. I spoke with Luke Voiles, the firm’s newly appointed general manager of banking. I’ve spoken to Luke in the past, where he led Intuit’s foray into embedded finance and lending.

    We discuss Square’s roots and ethos, diving into the firm’s founding story. Luke shares where the firm sees opportunity to provide financial services for its users -- now and into the future. Here’s my talk with Square’s Luke Voiles.

    • 35 min
    What it would take for FIs to embrace DeFi

    What it would take for FIs to embrace DeFi

    What it would take for FIs to embrace DeFi by Tearsheet

    • 16 min
    How Fiserv's partnership is helping Save scale cards that combine savings with investing

    How Fiserv's partnership is helping Save scale cards that combine savings with investing

    The following was produced by Tearsheet Studios. We worked with Fiserv, a financial services technology company, to create a four part podcast series on the role and changing nature of data aggregation in the financial industry. You can read and listen to the first episode on the Tearsheet website.

    In this episode, we spoke with Paul Diegelman, VP of Fiserv side by side with the president and COO of Save. The companies are working closely together to power a new type of savings account that combines savings with investment technology to give higher FDIC-insured returns.

    There’s a sea of sameness when it comes to banking apps. And with really low interest rates, there’s little to differentiate between all the plain-vanilla offerings. Save is different -- it uses a creative combination between savings accounts and investment technology to give its customers higher returns on their savings and rewards on their cards. I spoke with Adam Watts, the president and COO of Save.

    • 21 min
    How communications APIs are transforming the banking customer experience

    How communications APIs are transforming the banking customer experience

    Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I’m excited to share with you some news about our upcoming online conference, The Big Bank Theory. This year, we’ve combined two of our tent pole events: Challengers and Embedded into a single event, November 10-12. We’ve assembled the top companies and professionals creating and scaling this generation and next generation of digital banks.

    Those may be traditional financial brands, like Goldman Sachs and Bank of America, or new banking brands, like N26 and Current. Or, in the future we may just bank with the brands and software we resonate with -- like a driver banking with Uber, a retail customer with Walmart, or a small business owner with Intuit.

    Go to Tearsheet and click on conferences to register for free to this year’s The Big Bank Theory.

    This year’s conference is sponsored by Publicis Sapient, Explorium, Argyle and Twilio.

    I spoke with Twilio’s Bijan Mehta recently. He runs the firm’s work in financial services. I’m sharing some of the most important parts of our discussion on the power of embedded communications tools in today’s financial ecosystem.

    • 10 min
    'We see more and more nonprofits adopt the fintech model': Prudential Financial's Sarah Keh

    'We see more and more nonprofits adopt the fintech model': Prudential Financial's Sarah Keh

    Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

    During the pandemic, many for-profit companies and startups started creating digital tools to help people manage and save their money -- things like getting access to products and services that support their financial health, like financial coaching.

    At the same time, underserved and low-income consumers -- typically left out of traditional banking -- are increasingly gaining access to mobile and online technology, creating opportunities for nonprofits to participate in fintech.

    Sarah Keh, vice president of inclusive solutions believes that nonprofit fintechs provide critical services to underserved communities that have otherwise been marginalized. She joins me on the podcast to talk about the impactful work that’s going on in the sector. We discuss how they’re combining revenue sources through enterprise customers in order to grow and scale their business without solely relying on philanthropic funding, which can be unreliable. Sarah shares more about her role at Prudential and the work her firm is doing in the space.

    Sarah Keh is my guest today on the Tearsheet Podcast.

    • 22 min
    Embedding communications into financial services with Twilio's Bijon Mehta

    Embedding communications into financial services with Twilio's Bijon Mehta

    Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller.

    Twilio sits behind the scenes of today’s slick onboarding and login experiences. The tech firm gives its customers the ability to embed communications into their offerings. Twilio’s few lines of code help with two factor authentication -- where you receive an SMS to your phone after logging into an app or website, all the way to, more recently, a broad omnichannel engagement platform.

    Bijon Mehta leads financial services at Twilio. I first met him years ago at our first Tearsheet conference. He was at J.P. Morgan then and now leads Twilio’s work in financial services including the firm’s go to market strategy and the channels it uses to reach customers in the industry.

    Bijon joins me on the podcast to discuss how short form communication is being used in the financial services industry for authentication and increasingly, in communications in general. We talk about how the firm’s clients use Twilio technology to improve their customer experiences.

    Here’s my talk with Twilio’s Bijon Mehta.

    • 26 min

Customer Reviews

4.9 out of 5
27 Ratings

27 Ratings

JoshCrist ,

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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