Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. We’ve got a great show prepared for you today. We’re going to be talking about "Reimagining the Last Mile in Banking and the BaaS Business Models that will ensure Safe and Secure Delivery of Financial Products." We’ve assembled a panel of experts that will provide valuable insights into the current state and the future of Banking as a Service business models. You’ll hear how these models are morphing to reshape the financial industry. As we explore where banking and BaaS has evolved from, we’ll also tackle BaaS Business Models in the future and the Path Forward for the different players in the ecosystem. Joining me on the show today is  🔷 Kate Drew, Director of Research at CCG Catalyst Consulting Group: Kate brings over a decade of industry experience and is a renowned fintech thought leader. Her insights have been featured in publications like CNBC, The Fintech Times, and Business Insider, making her a sought-after expert in the field. 🔷 John Bearden, Chief Banking Officer, Thread Bank: John is CBO of Thread Bank. Previously, he served as President of the Middle Tennessee Banking Group at Renasant Bank. He previously led the Depository Fixed Income practice at Stifel Financial and Sterne Agee where he worked with depository institutions around the country. 🔷 Sarah Howell, Head of Partnerships at Infinant: With her background in card payments and fintech, Sarah is a key figure in the BaaS landscape. She has played a vital role in the launch of Apple Pay and has been a thought leader during her tenure at Visa. Her insights have been featured in publications like American Banker and The Financial Brand. Tearsheet thanks our partner Infinant for helping make this conversation, and others like it, a reality. Without further ado, here’s our show