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Artwork for Tearsheet Podcast: Exploring Financial Services Together

Tearsheet Podcast: Exploring Financial Services Together

Tearsheet Studios
Financial Services
Fintech
Embedded Finance
Customer Experience
Artificial Intelligence
Generative AI
Digital Transformation
Financial Inclusion
Small Businesses
Temenos
Small and Medium-Sized Businesses
Stablecoins
Digital Banking
Payments
Core Modernization
Data Analytics
Financial Institutions
Financial Technology
Open Banking
Community Banking

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.

PublishesWeeklyEpisodes500Founded15 years ago
Number of ListenersCategories
NewsBusiness NewsBusiness

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Artwork for Tearsheet Podcast: Exploring Financial Services Together

Latest Episodes

Small business banking has always had a structural problem: the companies that hold your money and the companies that build your financial software have been two different things. One moves the money, the other tracks it, and small business owners ar... more

Most people leave money on the table every time they swipe — not because they're careless, but because the credit card rewards ecosystem is genuinely complicated. Thousands of cards, millions of merchants, shifting bonus categories, buried benefits. ... more

Unlock how stablecoin infrastructure is transforming cross-border payments, global treasury, and enterprise fintech strategy. In this episode, Avinash Chidambaram, Founder & CEO of Cybrid, breaks down how stablecoin rails are becoming production-read... more

The credit system in the US was built on a fundamental assumption: that past borrowing behavior predicts future risk. That assumption has left roughly 100 million Americans essentially invisible to lenders — no score, thin file, or a history that doe... more

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Recent Guests

Victor Cardenas
Co-founder and CEO of Slash
Slash
Episode: The bank account is the product: Slash's bet on vertical SMB banking
Tikue Anazodo
Co-founder and CEO of Kudos
Kudos
Episode: How Kudos built a consumer data moat on top of credit card rewards
Juan Hernandez
Head of credit and underwriting at Block
Block
Episode: How Block built a $200 billion credit operation by seeing customers traditional lenders can't
Ruzbeh Rotabi
COO of Qolo, infrastructure provider for banks
Qolo
Episode: How Huntington modernized without touching the core ft. Qolo
Deepak Kapoor
Head of payment products at Huntington National Bank
Huntington National Bank
Episode: How Huntington modernized without touching the core ft. Qolo
Corey Zettler
Director of Product for Financial Solutions at Squarespace
Squarespace
Episode: Squarespace's Corey Zettler on building a financial services suite for small businesses
Serge Elkiner
General Manager of Paze, one of the business units of Early Warning Services
Paze / Early Warning Services
Episode: How Paze is betting bank trust can crack the digital wallet market
Bennie Pennington
Head of Embedded Banking at KeyBank
KeyBank
Episode: How KeyBank and Qolo are modernizing corporate treasury without ripping out the core
Patricia Montesi
CEO of Qolo
Qolo
Episode: How KeyBank and Qolo are modernizing corporate treasury without ripping out the core

Host

Zach Miller
Editor-in-Chief of Tearsheet; host and interviewer

Reviews

4.8 out of 5 stars from 44 ratings
  • Boring interviewer

    The host follows a script like interview questions with no digging and follow up. It feels like listening to an AI doing an interview.

    Apple Podcasts
    1
    biwhdhdheisjz
    Philippines3 years ago
  • The Best Finance Podcast!

    I just finished listening to the latest episode of Tearsheet and I have to say, it's one of the best finance podcasts out there. The show does an excellent job of breaking down complex financial concepts and making them easy to understand. The guests always provide valuable insights, and I appreciate the practical advice in each episode. I highly recommend this podcast to anyone looking to learn more about the latest trends in the world of finance!

    Apple Podcasts
    5
    Andieo1997
    United States3 years ago
  • Excellent

    Podcast Addict
    5
    EmmyX
    3 years ago
  • 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!

    Apple Podcasts
    5
    JoshCrist
    United States6 years ago
  • 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.

    Apple Podcasts
    5
    CedoMir01
    United States8 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Thoughtful coverage of emerging tech like AI and embedded finance in financial services.
The host steers valuable discussions around fintech partnerships and digital banking.
Engaging industry conversations with practical takeaways for sponsors and guests.
Solid guest lineups with deep expertise in finance and technology.

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Talking Points

Recent interactions between the hosts and their guests.

How Kudos built a consumer data moat on top of credit card rewards
Q: So who are you and what do you do?
I'm Tikue Anazodo, co-founder and CEO of Kudos. Kudos is a wallet that helps people earn and save whenever they spend by analyzing all spending, offering personalized card recommendations, and using AI agents to execute improvements for the user.
How Block built a $200 billion credit operation by seeing customers traditional lenders can't
Q: What does that $200 billion milestone mean across Block's product suite?
It signifies that credit extended across all Block products—Cash App Borrow, Square Loans, and Afterpay-related credit—has reached a scale where access to capital is broadly available across consumer and merchant segments, enabled by unified risk models and first-party data that support responsible lending.
How Huntington modernized without touching the core ft. Qolo
Q: Deepak, what were the core business drivers behind Huntington's move to launch connected deposits?
The bank needed to address the limitations of a rigid core by adding a flexible, modular layer—virtual accounts with a real bank-like behavior, capable ledgering, and the ability to simultaneously serve multiple verticals and complex entities. This approach reduces operational friction, enables multi-bank and multi-entity management, and positions Huntington to offer broader treasury and payments services without a full core replacement.
How Paze is betting bank trust can crack the digital wallet market
Q: How will Paze grow its merchant and consumer base in the near term?
They plan to expand merchant networks through enablers and issuers, run marketing campaigns to raise brand recognition that Paze is from the banks, and use incentives to drive usage while building product-market fit across daily-use categories.
How Paze is betting bank trust can crack the digital wallet market
Q: What is the unlock for Paze, and how does the bank backing help?
The guest explains that bank backing increases consumer trust due to security expectations, enabling wider adoption by embedding Paze within the bank app and making it a perceived feature of the customer's financial institution rather than a separate product.

Audience Metrics

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

The show consistently explores how technology is reshaping financial services, with a heavy emphasis on fintech partnerships, embedded finance, AI applications, and evolving banking business models. Episodes frequently feature senior leaders from banks, fintechs, and software platforms discussing practical strategies for collaboration, product-minded digital experiences, and regulatory considerations that accompany innovation. A notable throughline is the shift from viewing digital banking as IT work to treating it as ongoing product development driven by customer data and partnerships. A few episodes stand out for their focus on loyalty, embedded payments, and the strategic value of cross-industry partnerships in driving inclusion and effi... more

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These podcasts share a similar audience with this podcast:

1. Fintech Insider Podcast by 11:FS
2. Making Sense with Sam Harris
3. The a16z Show
4. The Prof G Pod with Scott Galloway
5. Prof G Markets

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this podcast launched 15 years ago and published 500 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on this podcast?

Recent guests on this podcast include:

1. Victor Cardenas
2. Tikue Anazodo
3. Juan Hernandez
4. Ruzbeh Rotabi
5. Deepak Kapoor
6. Corey Zettler
7. Serge Elkiner
8. Bennie Pennington

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