Welcome, everyone, to another episode of 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. Today, I’m thrilled to bring you an exclusive conversation with Terry O'Neil, a payments leader at Citi responsible for spearheading embedded payments and strategic initiatives. Terry provides insights into Citi's approach to embedding a wide array of financial products, including payment solutions, private label offerings, and lending products, directly into the fabric of merchants' point-of-sale systems. Join us as we unravel the complexities of streamlining integration processes for merchants, meeting evolving consumer demands for flexibility and choice, and navigating the convergence of physical and digital commerce. Get ready for an engaging exploration of how embedded payments are impacting the way businesses engage with customers and drive sales. Without further ado, let's embark on this captivating journey into the realm of embedded payments.