Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest is Ronald Oliveira, the U.S. CEO of challenger bank Revolut. Ron has a lot of experience in the traditional side of banking as he takes over the reins for the European fintech’s efforts stateside. We discuss the challenges and opportunities of the US market. Ron describes the firm’s product rollout cycle for Revolut, which wants to be a global bank. We would be remiss if we didn’t chat about the fintech vs. incumbent bank scenario and Ron’s perspective is important given the two worlds he’s straddled. Ron Oliveira is my guest today on the Tearsheet Podcast.