The Next Five is the FT’s partner-supported podcast, exploring the future of industries through expert insights and thought-provoking discussions with host Tom Parker. Each episode brings together leading voices to analyse the trends, innovations, challenges and opportunities shaping the next five years in business, technology, health and lifestyle This content is paid for by advertisers and is produced in partnership with the Financial Times’ Commercial Department Hosted on Acast. See acast ...
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Strata Studios is the best resource to help you grow your PT or OT Clinic. We're the only single EMR platform & Revenue Cycle Management Service for Physical, Occupational, and Speech Therapy practices that helps you achieve a 99.99% reimbursement rate. Book a call with our team today 👉 stratapt.com
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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.
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There’s one question that has stumped our universe for centuries: Why do men? Emma Willmann is on a quest to find out the answer in this podcast from Betches Media. Each week, Emma is inviting some of the funniest and most interesting men she knows into the studio and pulling from the Ask Men Anything inbox to ask your biggest, weirdest, and most pressing questions of earth’s most mysterious beings. What makes a man ready to settle down and choose a partner? Why don’t men ask their friends f ...
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From in-depth interviews and carefully curated opinions to hard-hitting political analysis and even the latest movie reviews, check out News and Views! Millions of listeners seek out Bingepods (Ideabrew Studios Network content) every day. Get in touch with us to advertise, join the network or click listen to enjoy content by some of India's top audio creators. [email protected] Android | Apple
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#108: How PTs Can Partner Directly with Physicians—Without Selling Out (Ft. Colin Rigney)
31:55
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31:55On today’s episode of Strata Stories, guest host Rafi Salazar sits down with Colin Rigney, PT — educator and founder of Advanced MSK Ultrasound Center — to talk about a bold (and still controversial) model that’s helping PTs fill a massive gap in primary care. Colin’s using diagnostic ultrasound to build direct physician partnerships—and he’s not j…
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Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative
32:45
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32:45Banking 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 techn…
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How Temenos is leading banking forward through customer and partner insight
12:07
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12:07Isabelle 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 …
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'Value will accrue at the application layer': VanEck's Juan Lopez on crypto's infrastructure shift
24:57
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24:57The 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 improv…
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How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White
22:53
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22:53While 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 F…
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How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel
20:22
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20:22SMBs 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. …
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Cyber risk and security in an AI world: what’s in store?
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26:10In today's digital world, artificial intelligence, data storage and cybersecurity are a critical triumvirate, intersecting to form a dynamic ecosystem that underpins modern technological infrastructure. They are strategic pillars that drive innovation, operational efficiency and risk management. Thus their interaction and integration is key to buil…
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How FIS and Episode Six are helping FIs expand their products into new markets
21:53
21:53
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21:53Financial 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.…
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The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025
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20:33The 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…
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#107: The Marketing Blind Spots Holding Your Clinic Back (Feat: Neil Trickett)
33:35
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33:35On today’s episode of Strata Stories, Paul Singh, CEO of StrataPT, sits down with Neil Trickett, PT and CEO of Practice Promotions, to unpack what real marketing looks like for therapy practice owners — and why most clinics get it wrong. They dive into: 1. Why “just having a website” isn’t enough — and how to actually convert visitors into new pati…
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How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next
26:35
26:35
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26:35The 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…
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KeyBank's Mike Walters on how SMB customer relationships are shifting from transactions to advice
32:04
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32:04The 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 bu…
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How Wise captured 25% of Brazil's cross-border market
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29:29While 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 j…
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#106: Building Success From the Ground Up: Mobile OT To Full-Scale Ped Clinic (Ft: Kate McCommons)
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33:28On this episode of Strata Stories, Paul meets with Kate McCommons, OT and CEO of Grow Together Therapy, to explore her inspiring journey and practical lessons for therapy practice owners. From solo mobile OT to leader of a growing pediatric clinic system, Kate knows what it takes to overcome obstacles and build real success. Inside this episode: 1.…
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#105: The 7 most important metrics all clinics should track (Feat. Sturdy McKee)
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43:07We’re pulling a classic episode from the archives! Sturdy McKee, PT, breaks down how running your clinic like a well-oiled machine starts with the right metrics and leadership mindset. On this episode of Strata Stories, they unpack the must-track metrics that keep your practice profitable and growing. Paul and Sturdy dive into: 1. The 7 most import…
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Meet the AI lending officer: How algorithms are taking over credit decisions
34:32
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34:32The 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 …
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The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice
22:59
22:59
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22:59Financial 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, Fird…
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How to get started with embedded lending and drive revenue
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49:37Embedded 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 b…
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#104: Use These Tactics To Stop Insurance Verification Headaches (Feat. Jerry Durham)
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24:30On this episode of Strata Stories, Paul talks with Jerry Durham, CEO of The Client Experience Company, to talk about one of the biggest hidden problems in private practice: broken benefit verification. They dive into: 1. Why most clinics don’t need better tech—they need a better checklist 2. How one front desk script fix solved 8 months of billing …
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How Citizens is using Value-Added Services and a command center approach to empower SMBs
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32:49Traditional 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 o…
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How Temenos is co-creating AI products with banks, not just for them
17:19
17:19
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17:19Nine 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 cen…
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#103: How To Turn HEP Tools Into A Strong Revenue Stream (Feat. Joseph Lowe)
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33:28On this episode of Strata Stories, Paul sits down with Joseph Lowe, Founder of Pure PT Supply, to talk about one of the simplest ways to increase revenue without adding more visits. They get into: 1. Why niche practices are perfectly positioned to win with retail 2. How clinics lose thousands by not monetizing product referrals 3. Why legacy brands…
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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 ...
23:43
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23:43Non-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 d…
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From ACH to stablecoins: Ben Milne's infrastructure evolution
24:38
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24:38Welcome 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…
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Human Health: Society and the Future of Biotech
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30:35Biotechnology is the use of biology in the production of new products, services, and organisms with the aim of improving human health and society. In 2024, the global biotech market was worth $1.68 trillion. By application, the health segment was responsible for just over half of that figure. Not surprising when you think that healthcare focused bi…
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“Embedded investing isn't a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing
35:14
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35:14The 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 f…
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#102: How To Make Money From Value Based Care in 2025 (Feat. Dana Strauss)
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33:11On this episode of Strata Stories, Paul talks with Dana Strauss, DPT, a Health Policy and Government Affairs Professional, about in-depth examples of the financial gains therapists can achieve now by helping health systems save money. Paul and Dana discuss: 1. How PTs can lead cost-saving efforts by partnering with hospitals 2. Why RTM is under scr…
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Inside Mastercard's push to move LATAM's small retailers beyond cash
29:29
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29:29Tearsheet 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 …
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#101: How To Build A PT Brand That Brings Patients To You (Feat. Dalton Laino)
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42:57This week on Strata Stories, Paul meets with Dalton Laino, Co-Founder of The Movement PTs, to unpack what it truly means to build a brand in healthcare and how it can boost your clinic's sustainability and profitability. They dive into: 1. Why branding can supplement (or even replace) traditional referral sources in private practice 2. What brandin…
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#100: The Most Important Metrics Your PT Practice Must Track (Feat. Tony Maritato)
47:04
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47:04On this episode of Strata Stories, we dig into the archives for a GREAT conversation between Paul & Tony Maritato from 2023. For those unfamiliar, Tony is a PT—founder of Total Therapy Solutions. They unpack the operational strategies that can have a big impact on the success of your therapy practice. They dive into: 1. The advantages of niching do…
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#099: How To Successfully Shift into a Non-Clinical Role (Ft. Dana Strauss)
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44:00On this episode of Strata Stories, Paul talks with Dana Strauss, DPT, a Health Policy and Government Affairs Professional. If you've ever wondered how to leverage your clinical background beyond patient care, this episode is for you. Paul and Dana discuss how therapists can: 1. Prepare to properly transition to non-clinical roles 2. Cultivate relat…
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Money Movers: Solving The Cross-Border Payment Problem
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31:53Despite an interconnected and increasingly digitalised world, a historical black cloud has been hanging over an area of finance relied upon by institutions, retail and a billion people associated with migrant work: Cross-border payments. Domestic money transfer has seen a dramatic overhaul due to the digital revolution of recent years. But sending …
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#098: Ditch The Donuts And Build A Referral Network That Lasts
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36:27
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36:27This week on Strata Stories, Paul sits down with Michael Silva, a PT business coach and consultant, about how to build a thriving referral network without relying solely on physician referrals. They dive into key strategies for growing your clinic, including: 1. Partnering with trainers, coaches, massage therapists, chiropractors, and other non-phy…
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Will PayPal’s cash flow tools make capital access easier for SMBs? ft. Michelle Gill
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24:46As 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…
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#097: How To Fire Therapists Without Burning Bridges (Feat. Rafi Salazar)
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32:05This week on Strata Stories, Paul meets with Rafi Salazar, OT, and CEO of ProActive Rehab & Wellness. Rafi brings a grounded, real-world perspective on leadership that every clinic owner needs to hear. They unpack the challenges and opportunities of leading people well, especially when the stakes are high. Inside this episode: 1. The conversations …
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How Citizens Bank is building GenAI with a five-year vision, not just quick fixes
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39:44Investment in data is the hallmark of successful Gen AI implementations, according to Citizens’ Chief Data and Analytics Officer, Krish Swamy. Giving us a system wide view of how Citizens is leveraging Gen AI, Swamy joins the podcast to talk about harnessing the power of data to drive decision-making, enhance customer experiences, and navigate the …
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Venture Capital’s shift from consumer fintech to infrastructure ft. Ryan Falvey
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27:11In today’s financial landscape, innovation is more than just a buzzword—it’s a driving force separating industry leaders from those left behind. Finding, nurturing, and scaling the right technologies has become a specialized skill set all its own.Joining us today is Ryan Falvey, Co-Founder and Managing Partner of Restive. Ryan has spent the last 15…
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#096: The Future of Patient Engagement Starts Here (Feat. Lindsay DeLong)
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33:06This week on Strata Stories, Paul Singh, sits down with Lindsay DeLong, Founder of EquipMeOT and a true expert in social media, engagement, and online community building. They dive deep into why the next generation of patients isn’t looking to be sold to—they’re looking for connection: They also explore: 1. How to focus on real engagement instead o…
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In today’s competitive global landscape the responsibilities of CFOs are diversifying more than ever. The fast paced digital revolution, geopolitical uncertainty, economic volatility and the environmental impact of climate change means the modern CFO must adapt to future proof the financial health of their organisations. The need to remain agile an…
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Serving the global majority: How Tala is reshaping financial inclusion in Latin America and beyond
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28:18In 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 …
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#095: Conquer The Three Common Problems Every Clinic Owner Faces
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30:31This week on Strata Stories, we sit down with Adam Robin—Practice Owner and Business Coach—to dive into the real reasons many private practices get stuck. We unpack the 3 most common problems clinic owners face: 1. Overscheduling and ineffective patient care delegation 2. A weak sales process (and even weaker sales training) 3. Lack of clean, organ…
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"Taking the hardest path in payments": How Adyen's AI platform boosts conversion and reduces fraud
25:34
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25:34Artificial 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 frau…
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#094: How To Strengthen Your Clinic's Finances Fast
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33:36This week on Strata Stories, Amit Gaglani, PT and Founder of AG Management Consulting, shares his insights on how clinic owners can navigate financial challenges and stay safe in the face of uncertainty. They break down: 1. How to help clinic owners act, not react, with their finances 2. Strategies to manage cash flow throughout the year, from dedu…
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Zip CEO Joe Heck: Expanding financial inclusion through Buy Now, Pay Later innovation
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25:34Joe 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 …
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#093: Best Practices To Grow 50% Annually (Feat. Lance Gross)
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30:41On this episode of Strata Stories, Paul Singh, CEO of StrataPT, sits down with Lance Gross, Owner of GTS Physical Therapy to discuss best billing practices for clinic growth. They explore: 1) Strategies to get clinicians fully invested in accurate billing training 2) Ethical and legal approaches to correcting underbilling 3) Adapting to local marke…
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How Citi is enabling banks to drive growth and remain competitive in a 24/7 world
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35:14Fintechs have pushed the industry to focus on client experiences, and our show today digs into how traditional banks can collaborate with global banks like Citi to improve experiences like cross border payments for their clients.In our conversation today, Aashish Mishra, Citi’s Global Head for Banks sales and North Asia head for Financial Instituti…
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From startup to acquisition: Zuben Mathews on Brigit's social impact journey
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24:29In late January, Upbound Group completed its acquisition of Brigit, a leading financial health technology company. This deal brings together Upbound’s established brands like Rent-A-Center and Acima with Brigit’s digital platform that offers earned wage access, credit building products, and financial wellness tools. The combined company now serves …
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#092: Why Primary Care and PT Need To Partner ASAP (Ft. Dana Strauss)
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38:07On this episode of Strata Stories, Paul talks with Dana Strauss, DPT, a Health Policy and Government Affairs Professional. They dive into: 1. Why PCPs and PTs need shared incentives for better patient outcomes 2. The ongoing confusion around Direct Access and why referrals still dominate 3. How PTs can stay ahead of policy shifts and healthcare tre…
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The story of Erica, Bank of America’s homegrown digital assistant
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37:30Banking digital assistants may be common now, but in 2017, Bank of America was one of the first to be thinking about how they make the firm’s customer experience more powerful. The answer was an in-house build of a digital assistant that required the firm to hire PhDs in linguistics and build a collaboration structure that could facilitate teams fr…
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#091: How Innovative PT Solves Chronic Disease & Low Margins
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44:48On this episode of Strata Stories, Paul sits down with Frank Benedetto, Founder of The Honey Badger Project, to discuss key strategies for physical therapists and practice owners. They dive into: 1) The role of physical therapists in addressing the chronic disease epidemic in the U.S. 2) How new grads and business owners can innovate and implement …
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