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Tearsheet Podcast: Exploring Financial Services Together

Latest episodes

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Feb 28, 2023 • 18min

Power of Payments Ep. 24: Talking FedNow and real-time payments with Bottomline’s Jessica Cheney

Welcome back to the Power of Payments podcast. I’m your host Ismail Umar, and today I’m joined by Jessica Cheney, VP of Product for the Digital Banking Solutions group at Bottomline Technologies. Jessica has been with Bottomline for over a decade. Prior to that, she held similar roles at a number of other fintechs, and was also part of the commercial product management group at US Bank. She has been involved with real-time payments for many years now, and says she has a comprehensive outlook on how payments impact financial services from a commercial, fintech, and retail perspective. In our conversation today, Jessica discusses the current state of adoption of real-time payments in the US, and how the launch of FedNow – the Federal Reserve’s instant payment service – is going to impact the banking industry. She also talks about how SMBs can use real-time payments to improve their day-to-day operations, and the overall impact that RTP adoption will likely have on banks, businesses, and consumers in the coming years. Listen to the full episode and get the transcript here: https://tearsheet.co/power-of-payments-podcast/power-of-payments-ep-24-talking-fednow-and-real-time-payments-with-bottomlines-jessica-cheney/
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Feb 22, 2023 • 31min

Surveying global banking and niche payments with Standard Chartered's Anand Natarajan

Get the full transcript here: https://tearsheet.co/podcasts/surveying-global-banking-and-niche-payments-with-standard-chartereds-anand-natarajan/ Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. An interesting thing is starting to happen with partner banks. What began as the purview of some smaller, regional players is now becoming interesting to some of the largest global banks. For example, we spoke a couple of weeks ago to Citi about its plans to provide partner bank services for global firms. That means a brand or fintech with global aspirations could work with a single bank in each market, instead of partnering with different local players on the ground. Standard Chartered is already supporting its clients with its own extensive footprint in Asia, Africa, and the Middle East. I spoke with Anand Natarajan, who covers the technology, media and fintech segments for the firm’s treasury services. At a conversation that began in Las Vegas in 2022 and continued into the beginning of 2023, Anand shares his view on a wide range of topics including evolving merchant ecommerce experiences, social commerce, gaming payments, CBDCs and more. It was an engaging conversation – hope you enjoy it. Here’s my talk with Anand Natarajan.
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Feb 15, 2023 • 22min

'Are we at the digital tipping point for payments yet?': Deloitte's Zachary Aron

Link to the full transcript: https://tearsheet.co/podcasts/are-we-at-the-digital-tipping-point-for-payments-yet-deloittes-zachary-aron/ Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. My guest today is Zachary Aron. At Deloitte, Zach heads the payments practice globally and co-leads the US. We spend quite a bit of time trying to understand the move towards payments modernization. Of course, the current economic challenges influence how Deloitte’s clients are thinking about things like RTP and ISO20022 – Zach sees some FIs taking advantage of the opportunities to both streamline payments operations and products with an eye on future competitiveness. Zach also shares why he thinks payroll is one of the first use cases of real time payments. I first met Zach at Money 2020 in 2022 and this episode is a continuation of the conversation that was started in Las Vegas. Zachary Aron is my guest today on the Tearsheet Podcast.
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Feb 10, 2023 • 13min

Power of Payments Ep.23: Elon Musk's grand ambitions for Twitter Payments, Cash App Savings and more

Welcome back to the Power of Payments podcast. I’m your host Ismail Umar, and in today’s episode, we discuss Elon Musk’s payments plans for Twitter, and Cash App’s new savings feature. We also talk about Gen Z’s changing preferences when it comes to sending and receiving money digitally.
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Feb 8, 2023 • 29min

Behind the Pathward rebranding with CEO Brett Pharr

Welcome to the Tearsheet Podcast. I'm Zack Miller, Tearsheet's editor in chief. My guest today is Brett Pharr, CEO of Pathward Financial. You might not have heard of Pathward – it’s more likely you have heard of Meta Bank, which recently rebranded to Pathward. I spoke with Brett about the community bank and payments legacy the firm has and how it impacted the decision to rebrand in 2022. Link to the full transcript: https://tearsheet.co/podcasts/behind-the-pathward-rebranding-with-ceo-brett-pharr/ I always find it interesting and insightful to hear about these stories – about how an established financial institution decides on and aligns around a rebranding. It’s a big deal to change your name – Brett gives us insight into how the firm is positioning itself for future growth. Brett Pharr is my guest today on the Tearsheet Podcast.
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Feb 1, 2023 • 27min

'There's a shift in what banks want to work on vs what consumers are driving': Mambu's Robin Smith

Link to the full transcript: https://tearsheet.co/podcasts/theres-been-a-shift-in-what-banks-want-to-work-on-versus-what-consumers-are-driving-mambus-robin-smith/ Welcome to the Tearsheet Podcast. I'm Zack Miller, Tearsheet's editor in chief. Robin Smith is vice president of North America for banking software provider, Mambu. Robin has been in the fintech space for over 30 years, leading teams at Oracle, FIS, and Fiserv. Robin’s got a wealth of experience and knowledge over what’s happening in the core banking software industry, and at banks in general. Our conversation spans current trends, banks’ challenges and opportunities with going digital, the partner ecosystem Mambu has built in the US to support its customers, and more. Robin Smith is my guest today on the Tearsheet Podcast.
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Jan 27, 2023 • 24min

Power of Payments Ep. 22: 'The most important asset for SMB owners is time' – Chase’s Brad Brodigan

Link to the full transcript: https://tearsheet.co/payments/power-of-payments-ep-22-frankly-the-most-important-asset-for-smb-owners-is-time-chases-brad-brodigan/ Welcome back to the Power of Payments podcast. I’m your host Ismail Umar, and today, I’m joined by Brad Brodigan, managing director and global head of SMB payments at Chase. Brad says he has a passion for working at the intersection of payments, technology, and small business. He’s spent the last 15 years using innovations in payments technology to provide SMB owners with more efficient ways of running their business. Over the last decade, Brad has held a variety of roles at firms including PayPal, Dosh, and BlueVine. In our conversation today, Brad discusses the most important trends he’s seeing in SMB payments right now, the kinds of attributes that SMBs look for in a payment processor, and how their needs differ from those of enterprises and retail customers. He also talks about how current macroeconomic challenges are affecting the demands and expectations that small business owners have from their financial providers.
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Jan 25, 2023 • 26min

Behind the launch of the QuickBooks Business Network with Intuit's Juliana Berger

Welcome to the Tearsheet Podcast. I'm Zack Miller, Tearsheet's editor in chief. I don’t know what they serve at the snack bar at Intuit, maker of QuckBooks and the financial ecosystem around it, but when you speak to senior leadership, they seem almost maniacal about serving SMBs. And what the firm has done over the past few years is make its bookkeeping software the center of a financial services ecosystem that includes payments, lending, and banking.  Now, Intuit is looking to take its ecosystem and tools to midmarket and B2B firms with the launch of the QuickBooks Business Network which creates one of the largest B2B networks and automates B2B payments, improving overall cash flow for this particular user set I’m joined by Juliana Berger, the director of payments for QuickBooks. You’ll hear the passion she has for serving SMBs. We talk about the breadth and depth of Intuit’s SMB offering. Juliana shares the pain points SMBs are feeling in this economy and what the software firm is doing to address them. There’s a lot of talk about invoicing and payments flows with an increasing amount of automation mixed in. Her excitement about the space is infectious. Intuit’s Juliana Berger is my guest today on the podcast.
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Jan 18, 2023 • 34min

Behind Citi’s move to become a global partner bank with Chafic Haddad

We’re in a transitional period when it comes to how banks and fintechs partner. If 2022 was the year of launching partnerships between FIs and tech firms, this year is more about fine-tuning them. Partner banks are seeing more scrutiny as more banks have chosen the route of serving fintechs.  At Money 2020 this year, Tearsheet Editor-in-Chief Zack Miller sat with Chafic Haddad, Citi’s global head of fintech within the firm’s transaction bank. When he said that one of the largest international banks was really trying to align and position itself as a global partner bank to top fintechs, Miller told Chafic he had to join us on the podcast to talk about what all that means. Chafic shares the mandate of his new role within the firm and why non-bank partnerships have been the fastest growing segment over the past few years. We discuss what Citi offers fintechs and the challenges and opportunities in providing these firms with global transaction and trade capabilities.
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Jan 18, 2023 • 31min

Steez Podcast #5: Putting our money where our future is

In the fifth and final episode of the Steez podcast, we talk about how Gen Z views sustainable investing. They are not just investing to align with their values. They are actively driving change with every purchasing preference and transaction. Our host, Rebecca Cohen, is joined by Jessica Matthews, Managing Director and Global Head of Sustainable Investing at J.P. Morgan, Jean-Louis Warnholz (CEO and Co-founder), and Eunice Jung (Head of Partnerships) from Future.

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