Tearsheet Podcast: Exploring Financial Services Together

Tearsheet Podcast: Exploring Financial Services Together

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.

Episodes

Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative

August 12, 2025 • 32 mins
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 eventual...
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How Temenos is leading banking forward through customer and partner insight

August 6, 2025 • 12 mins
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. “...
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'Value will accrue at the application layer': VanEck's Juan Lopez on crypto's infrastructure shift

August 6, 2025 • 24 mins
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 ...
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How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White

July 31, 2025 • 22 mins
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 leadershi...
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How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel

July 30, 2025 • 20 mins
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 t...
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How FIS and Episode Six are helping FIs expand their products into new markets

July 23, 2025 • 21 mins
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 F...
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The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025

July 23, 2025 • 20 mins
The fintech investment landscape is heating up again. After a challenging 2022 and 2023, early-stage funding is recovering, with companies focused on practical problems attracting serious investor interest. The shift is toward infrastructure, embedded finance, and AI applications that solve real workflow problems. Sheel Mohnot has been tracking this evolution from multiple angles. As co-founder of Better Tomorrow Ventures, he's ra...
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How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next

July 16, 2025 • 26 mins
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 th...
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KeyBank's Mike Walters on how SMB customer relationships are shifting from transactions to advice

July 10, 2025 • 32 mins
The traditional banking model for small and medium-sized businesses has reached an inflection point. Before banking centered on straightforward product relationships, like loans, deposits, and basic services. However, banks are evolving recognizing that their SMB clients need operational partners who understand the unique challenges of running a business while wearing multiple hats. KeyBank has embraced this evolution, positioning...
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How Wise captured 25% of Brazil's cross-border market

July 9, 2025 • 29 mins
While attention often focuses on developed markets, the most exciting fintech innovations are emerging where mobile technology, young digital-native populations, and gaps in traditional banking converge. These regions aren’t just adopting Western models – they’re creating entirely new paradigms that may eventually reshape global finance. Today I’m joined by Nadia Costanzo, Director of Banking for the Middle East, Africa, and Latin...
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Meet the AI lending officer: How algorithms are taking over credit decisions

July 1, 2025 • 34 mins
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 Jonatha...
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The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice

June 26, 2025 • 22 mins
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, Flori...
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How to get started with embedded lending and drive revenue

June 25, 2025 • 49 mins
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 ...
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How Citizens is using Value-Added Services and a command center approach to empower SMBs

June 23, 2025 • 32 mins
Traditional banking services alone aren't enough to serve the diverse needs of small and medium-sized businesses. Banks need to go further and think of their digital footprint as a launching pad for SMB owners by adding value-added services. On the show today, Mark Valentino, President of Business Banking at Citizens, and Taira Hall, EVP and Head of Enterprise Payments at Citizens, join to talk about how the bank is building more...
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How Temenos is co-creating AI products with banks, not just for them

June 20, 2025 • 17 mins
Nine months into her role as Chief Product and Technology Officer at Temenos, Barb Morgan is focused on a simple principle when it comes to product strategy: quality over quantity. "We want to build less, but build it better," Morgan said during a conversation at the Temenos Regional Forum Americas 2025 held May 28-30 in Miami. Temenos' approach centers on co-creating meaningful solutions with bank customers rather than rushing to...
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“Take a hard look at your current ecosystem. If you were to double the assets under your management today, would your current ecosystem sustain that growth?” Finastra’s Kristen Lista, on what FIs need to do to compete in SME lending

June 17, 2025 • 23 mins
Non-bank financial institutions (NBFIs) are capturing more and more market share in SME lending by leveraging technology to offer quicker lending solutions. This puts pressure on FIs to evolve their approaches while managing costs and improving service quality. Finastra’s Principal Product Manager Kristen Lista joins the Tearsheet podcast today to discuss the most critical areas where FIs need to focus: consolidating technology to...
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From ACH to stablecoins: Ben Milne's infrastructure evolution

June 17, 2025 • 24 mins
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. As digital assets mature beyond speculation into practical financial tools, forward-thinking institutions are evaluating how programmable money fits into their product strategies. For traditional banks, it's an opportunity to ...
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“Embedded investing isn't a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing

June 11, 2025 • 35 mins
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 infrast...
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Inside Mastercard's push to move LATAM's small retailers beyond cash

June 3, 2025 • 29 mins
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 here Across Latin America, we’re witnessing a massive shift as regions traditionally dominated by cash transactions begin embracing digital financial tools. This transi...
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Will PayPal’s cash flow tools make capital access easier for SMBs? ft. Michelle Gill

May 7, 2025 • 24 mins
As General Manager of PayPal’s Small Business and Financial Services Group, Michelle Gill is responsible for bringing together the products and services that help small business owners run and grow their business. She is my guest for this episode of the Tearsheet Podcast. Michelle brings deep financial expertise and experience building platforms and tools that help customers manage their finances to her role on PayPal’s Senior Lea...
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