Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Small businesses have a lot to contend with. In addition to the everyday battle around cash flow, many SMBs had to quickly change their business models and payment capabilities during the pandemic. Patrick Smith, the head of small business banking at Santander, joins me on the podcast to talk about Santander’s approach to advice. We discuss the banks evolving products and services aimed at SMBs. Lastly, we delve into the role digital plays in SMB banking in terms of experience and delivery. Patrick Smith is my guest today on the Tearsheet Podcast.