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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Financial innovation, technology advances and social changes are sending shockwaves through the financial services industry. In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. Rebank explores the trends, develop ...
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Adyen Presents: Embedded Finance, your go-to resource for understanding how SaaS platforms can unlock the full potential of embedded finance. Hosted by Hemmo Bosscher, each episode dives into real-world success stories, industry insights, and practical guidance from experts in a variety of industries, analysts, thought-leaders, and fintech specialists. Designed for SaaS founders, CEOs, CFOs, product heads, and tech decision-makers, the show demystifies the complexities of embedded finance, c ...
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Welcome to "Mighty Finsights," the podcast where finance meets formidable insights and spirited storytelling. Hosted by fintech and financial services agency CSTMR, this show delves into the stories that shape the world of finance and fintech, brought to you straight from the minds of those who know it best—the innovators, the disruptors, and the trailblazers. Each episode of "Mighty Finsights" is a journey into the heart of financial innovation and personal achievement. We sit down with fin ...
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Welcome to Pay It Forward: A Podcast by J.P. Morgan Payments for J.P. Morgan Payments. We are part of a business that powers nearly $10 trillion in transactions every day and processes more than half of all e-commerce in the United States. Whether you're new to our team or a seasoned veteran, this podcast explores the connection between the work we do as a payments team and its impact on both the business and the world around us.
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Welcome to The Issuer Academy: Paymentology’s Podcast to Innovate, Scale, and Provide Impact. Every week, we unlock the secrets behind transformative card programmes and next-generation payment experiences. Through in-depth conversations with industry leaders, real-world case studies, and technical deep-dives, we explore how advanced payment solutions can overcome traditional barriers and open new markets. Whether you're a startup founder, a retail banking executive, or a fintech enthusiast ...
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Several years ago I made a bold move...I left behind the world of working for others and set out into the wild world of entrepreneurship. Since then, I’ve faced my fair share of challenges and celebrated some incredible victories. Today, I’m proud to lead Loanspark, one of the fastest-growing fintech companies in the U.S. But here’s the thing—the journey is far from over. In fact, it’s just getting started. Every day is a new adventure, a new lesson, and a new opportunity to grow. Every mont ...
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On the NMI Payment Playbook Podcast we’ll cover topics relevant to our core customer base which includes ISVs, ISOs, payment facilitators, banks, and other fintech innovators. These topics will range from embedded finance to anytime anywhere payments. We’ll feature industry thought leaders, our own internal thought leaders and other industry experts. We’re constantly innovating in order to power the next era of payments, building in the latest technology so our customers can focus on what th ...
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Welcome to The Moneypot, the podcast from Money20/20. Money Changed. Know more!
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Navigating the Future of Banking with the Institute of Bankers in South Africa
Andre van der Merwe
Welcome to the podcast that dives deep into the revolutionary world of banking and finance as envisioned in Brett King's groundbreaking book, "Bank 4.0: Banking Everywhere, Never at a Bank." In this show, we explore the future of financial services through the lens of technology, innovation, and changing consumer behaviour. Join us as we unpack the key concepts of "Bank 4.0," where Brett King, a renowned thought leader and disruptor in the banking industry, outlines how the traditional banki ...
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The Story Behind The Numbers, with SumUp & BCG
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55:29Embedded Finance is transforming how software platforms serve small businesses, creating new revenue streams while solving critical customer pain points. In this episode of Adyen Presents: Embedded Finance, host Hemmo Bosscher explores the evolving landscape of embedded financial products through two illuminating conversations with Max Zevin, Partn…
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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 ...
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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
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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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Adyen Presents: The Embedded Finance Podcast is your go-to resource for understanding how SaaS platforms can unlock the full potential of embedded finance. Hosted by Hemmo Bosscher, each episode dives into real-world success stories, industry insights, and practical guidance from experts in a variety of industries, analysts, thought-leaders, and fi…
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“Embedded investing isn't a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing
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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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In the AI Stampede, Who’s Stopping to Ask the Right Questions? [LIVE FROM MONEY 2020]
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38:34In this special live episode of The Issuer Academy podcast, recorded at Money 2020 Europe in Amsterdam, host Merusha Naidu is joined by Theodora Lau, founder of Unconventional Ventures and author of "Banking on Artificial Intelligence," and Tim Joslyn, Chief Technology Officer at Paymentology. Together, they cut through the AI hype dominating finte…
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Interview with Allan Rayson of Finov8r: Creating Change from Outside and Inside the Bank
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35:16Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - Allan Rayson, Finov8r - LinkedIn: Finov8r Want to be a part of the podcast? Contact Rory today! In This Episode Join us for Episode 26 of Mighty Finsights where Rory Holland interviews Allan Rayson, founder and CEO of Finov8r, a company that bridges finance and technology to deliver re…
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In this episode of Pay It Forward, host Steph Forkins sits down with three dynamic leaders—Marques Charbonnet, Jennifer Acosta, and Harvey Colli—to explore the people, purpose, and culture shaping J.P. Morgan Payments and the future of payments. From unexpected career pivots and defining leadership moments to behind-the-scenes views of internal mob…
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Lessons Learned from 10 Years in Embedded Finance with Luke Voiles
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46:18In this episode, we’re joined by Luke Voiles, the CEO of Pipe — an embedded finance platform offering credit, cards, and other financial products to a range of B2B2B partners. Founded as a revenue-based financing business, Pipe pivoted into a platform business under Luke’s directly when he took the reigns in 2023. Prior to joining Pipe, Luke was th…
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Inside Mastercard's push to move LATAM's small retailers beyond cash
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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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From Fear to Funding: How Mortgage Brokers Can Win in Commercial Lending with John Jurkovich
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38:17In this episode, Michael Barnett sits down with John Jurkovich—industry veteran and Founder of the Mortgage Broker Builder—to demystify commercial lending for mortgage brokers and loan officers. Whether you're closing 2–3 loans a month or ready to scale beyond 10, this conversation uncovers the tools, mindset shifts, and niche strategies that can u…
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The Change Beneath the Change: What’s Driving Real Financial Transformation?
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1:05:28In this episode of The Issuer Academy podcast, host Merusha Naidu is joined by Leda Glyptis, Author, Advisor, Chair of Bourn AI and Professor at the University of Loughborough, Pauline Molloyi, Acting COO at OM Bank, South Africa's newest digital bank, and Anna Porra, CRO at Paymentology. Together, they navigate redesigning financial systems for tr…
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Interview with John Erik Metcalf of Upgraded: How Fintech Is Allowing a Retail Brand to Refurbish the Circular Economy
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33:14Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - John Erik Metcalf, Upgraded - LinkedIn: Upgraded Want to be a part of the podcast? Contact Rory today! In this Episode Rory Holland interviews John Erik Metcalf, the co-founder and CEO of Upgraded, a tech subscription service that allows users to upgrade their devices effortlessly. The…
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Interview with Sloan Shanahan of FusionIQ: Why Behavioral Finance Is the Unsung Hero of Wealth Management
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39:11Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - Sloan Shanahan, FusionIQ - LinkedIn: FusionIQ Want to be a part of the podcast? Contact Rory today! In this Episode In this conversation, Rory Holland interviews Sloan Shanahan, the CRO of FusionIQ, discussing the company's mission to enhance wealth management through technology and th…
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Wallets Are Being Rewritten: Tokenization, Embedded Finance & the Future of Payments
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47:28In this episode of The Issuer Academy podcast, host Merusha Naidu is joined by Michael Galvin, Co-Founder and Chief Commercial Officer at Toqio, and Ignacio Gironella Merino, Head of Sales Europe at Paymentology and Global Sales Director at MeaWallet. Together, they navigate the true potential of embedded finance through cards and tokenization. Wha…
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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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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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How the Largest Asset Managers Think About Digital Assets with Mark Garabedian
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49:54Mark Garabedian is the Director of Digital Assets and Tokenization at Wellington, a leading US-based, global asset manager with approximately $1.3 trillion in AUM. Mark has wide ranging experience in trading and financial markets and brings a highly informed perspective to the topic of financial market innovation through digital assets and blockcha…
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Fraud Frontlines: How Payments Stay Protected
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16:25Most people don’t think twice about how their payments work until they don’t. Whether it’s a fraud alert freezing your card, a delayed online order, or a transaction that won’t go through, payment operations and fraud prevention take center stage. In this episode, Shao Shroff sits down with Josh Pope, Global Head of Payments Operations and Jenifer …
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Redefining Success in Tech: Purpose, Equity, and the Founder’s Journey with Jess Drislane
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37:13In this episode, Michael Barnett, Founder & CEO of Loanspark, and Jess Drislane, Founder & CEO of OpenScholar, dive into the real work of building early-stage, mission-driven companies that scale by enabling others. They explore what it means to create partner-first platforms, why trust is the most valuable currency in growth, and how to balance sp…
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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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Interview with Michael Luxenberg of Bankuity and Concord Advice: Revealing the Data that Lenders Don’t Know They’re Missing.
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35:15Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - Michael Luxenberg, Bankuity.com - LinkedIn: Bankuity Want to be a part of the podcast? Contact Rory today! In This Episode Rory Holland and Michael Luxenberg discuss how Bankuity is using alternative data and artificial intelligence to build a more accurate picture of what financial we…
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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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Interview with James Furbush of AccessOne: Landscape & Evolution of Healthcare Payments
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50:20Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - James Furbush, AccessOnepay.com - LinkedIn: AccessOne Want to be a part of the podcast? Contact Rory today! In this episode Rory Holland and James Furbush discuss the evolving landscape of healthcare payments and the role of AccessOne in facilitating financial well-being for patients a…
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AFC Series: CFPB in Turmoil? The Battle for Consumer Protection
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40:21The CFPB is at a crossroads. With leadership changes and a shifting political climate, what’s next for consumer protection? We break down the agency’s bold moves on open banking, BNPL, and EWA—and what the future holds as new leadership takes the reins. Tune in for a look at the future of financial rulemaking and the impact on consumers. Hosts: Rac…
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AFC Series: Avoiding the Next Synapse: Lessons in Risk, Regulation, and Responsibility
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37:49The collapse of Synapse shook the fintech world. A year later, have banks, fintechs, and regulators done enough to prevent another disaster? In this episode, we explore the crucial steps to ensure stability—shared responsibility, smarter due diligence, and evolving regulations. Tune in to learn how the industry can avoid repeating history and build…
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"Taking the hardest path in payments": How Adyen's AI platform boosts conversion and reduces fraud
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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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Conceptualizing the Future of Financial Infrastructure with ZKsync
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45:03Alex Gluchowski is the co-inventor of ZKsync and co-founder and CEO of Matter Labs. ZKsync is an advanced Ethereum Layer 2 blockchain network offering privacy and scalability using zk proofs. In this conversation, Alex and Will Beeson discuss the benefits of zk technology for financial use cases, architectural considerations in building blockchain …
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AFC Series: Open Finance Showdown: Suits, Countersuits, and the Future of Financial Data
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33:43Open Banking has become one of the most significant regulatory challenges of the last decade, with global implications for both financial services and consumers. As financial institutions and consumers navigate the evolving landscape of data sharing, the U.S. has recently introduced new regulations that may reshape the future of financial innovatio…
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AFC SERIES: True Lender Debate: Navigating Fintech & Regulation
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25:05The disapproval of the OCC’s True Lender Rule in 2021 sparked a seismic shift in the fintech lending space, leaving a cloud of uncertainty over the regulatory landscape. As states roll out new true lender definitions and federal guidance remains elusive, the future of bank-fintech partnerships hangs in the balance. In this episode, we dive deep int…
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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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Forget Cards—Here's What You'll Be Using to Pay in 2030
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37:31In this episode of The Issuer Academy podcast, host Merusha Naidu is joined by Jeff Parker, CEO of Paymentology, and Christian Rau, Senior Vice President of Global Partnerships, Digital Assets, Blockchain, and Fintech Enablement at Mastercard. Together, they explore the evolving payments landscape, from the future of cash and plastic cards to the t…
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The Issuer Academy Podcast is going live on Wednesday!
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0:55From next-gen card issuance to tokenisation, digital wallets, and Cards-as-a-Service, we dive deep into the strategies that are shaping the future. Featuring payment pros, fintech visionaries, and tech experts, this is where payments innovation comes to life. Watch the trailer now and get ready for game-changing conversations! #TheIssuerAcademy #Pa…
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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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Interview with Kevin Allen of ValidMind: The Future of Model Risk Management
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38:16Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - Kevin Allen, validmind.com - LinkedIn: ValidMind Want to be a part of the podcast? Contact Rory today! In this episode In this episode, Rory Holland interviews Kevin Allen from ValidMind, discussing the critical role of model risk management in banking, especially in the context of inc…
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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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Building Purpose-Driven Success: Scaling with Sustainability, Culture, and Partnerships with Drew Shula
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48:27In this episode of Conversations with Michael Barnett, Michael sits down with Drew Shula, Founder and CEO of Verdical Group, a sustainability consulting firm dedicated to decarbonizing the built environment by helping to create efficient, resilient, and regenerative buildings. Drew shares his inspiring journey from launching his company in a garage…
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Mentorship and Culture: Empowering Careers and Building Community
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26:11This episode focuses on the heart of workplace culture—mentorship, community and leadership. Host Lisa Davis, Managing Director, Digital & Design Head of Commercialization at J.P. Morgan Payments, welcomes Jonelle Robinson, Executive Director in Financial Institution (FIG) Sales, J.P. Morgan Payments, to discuss her career journey, the importance o…
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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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Self Financial’s approach to expanding credit access through product innovation with Julie Szudarek
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25:53Financial inclusion remains one of the most pressing challenges in today’s economy. Millions of Americans struggle to access basic financial services simply because they lack a credit history or have damaged credit. This gap in our financial system doesn’t just create inconvenience – it perpetuates cycles of financial inequity that can last generat…
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Interview With Joshua Silver of Rainforest: Embedded Payments Are a Game Changer
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36:05Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - Joshua Silver, Rainforestpay.com, Linkedin: Rainforest Pay Want to be a part of the podcast? Contact Rory today! In this episode In this episode, Rory Holland speaks with Joshua Silver from Rainforest about the evolution of fintech—in Atlanta particularly—and the innovative approach Ra…
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The financial system is moving on-chain: How Coinbase is bridging traditional banking and crypto
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26:58Blockchain technology continues to bridge the gap between traditional finance and the digital asset ecosystem. Today, we're witnessing a fascinating convergence where decentralized finance protocols are being integrated into user-friendly platforms, making sophisticated financial tools accessible to everyday users.One of the most significant develo…
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Lessons Learned Building and Running a $1.9 Billion On-Chain Credit Fund
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53:14Kevin Miao is one of the most insightful practitioners at the intersection of traditional and on-chain finance. Until recently, Kevin was General Partner of BlockTower Credit, a $1.9 billion AUM private credit fund that leveraged public blockchains, stablecoins, and tokenization to maximize capital efficiency. Prior to BlockTower, Kevin managed a S…
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The new economics of wealth management: Stirlingshire's advisor-first approach
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30:45Today we're examining the evolution of asset management and financial advisory services. As technology transforms how we invest and manage wealth, we're exploring the critical balance between innovation and human expertise.We'll discuss how disruption in the advisory space creates new opportunities for clients and advisors alike, why personal relat…
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Beyond Borders: The 4dFI fintech investment series, Part 1
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20:14Register to 4dFI's mailing list to stay updated on our investment opportunities, events, news: https://www.library.tearsheet.co/4dfiToday I'm excited to introduce you to 4dFI Capital Partners — or as we call it, 4dFI — a new initiative bringing together the worlds of traditional finance and innovative fintech.In this episode, we're diving into thre…
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Interview with Bill and Bo Stone of SMI: The Importance of Financial Literacy
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35:07Host - Rory Holland - cstmr.com - Linkedin: CSTMR Interviewed - Bo Stone, Bill Stone, smionecard.com, kudzumoney.com Want to be a part of the podcast? Contact Rory today! In this episode In this episode, Rory Holland interviews Bill Stone and Bo Stone from SMI (Systems and Methods, Inc). They discuss the company's rich history, starting from its fo…
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Smart Tech, Smarter Loans: Michelle Tran on fintech’s impact on student debt
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27:08Student debt is a major financial challenge, with U.S. borrowers owing over $1.8 trillion in total. This ongoing debt burden affects millions of individuals. Traditional financial institutions are looking for ways to solve this issue. Meanwhile, fintech innovations are providing solutions. These new technologies are helping to address the problem.M…
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AI, Relationships, and Small Business Lending
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25:33Dive into the intricacies of artificial intelligence in the small business lending space in this thought-provoking episode. At the bustling Money 2020 conference in Las Vegas, we engage with Omri Yacubovich, CEO of Llama AI, as we address the pressing concerns surrounding traditional lending processes and how AI could reshape the future. With small…
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Building the Future of Banking: Fifth Third’s Approach to Embedded Finance with Ali Malvicino
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31:24In this episode, Michael Barnett talks with Ali Malvicino, Head of Solutions for Newline™ by Fifth Third Bank, about the transformative world of embedded finance. They explore the evolution of financial technology, from prepaid cards to API-driven banking-as-a-service platforms, and discuss how Fifth Third Bank is leading the charge with innovative…
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Ramp’s AI-powered push to automate expense management ft. Geoff Charles
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36:40I recently sat down with Geoff Charles, Chief Product Officer at Ramp, to discuss the rapidly evolving landscape of corporate finance technology. Recently promoted to CPO, Geoff has been with Ramp since its early days when the company was just 10 people. His journey from product manager to C-suite exemplifies Ramp’s growth trajectory as a company n…
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