Today’s episode is all about the creator economy. Host Rebecca Cohen was joined by Tony Tran, CEO of Lumanu, Blake Michael, Creator with 5M+ followers, actor and entrepreneur, and Julia Montgomery CEO and founder of Influent. The creator economy is an important conversation when capturing and retaining Gen Z for two main reasons. First, the entire line of communication for brands with their audiences must adapt to the channels by which Gen Zers communicate and require work with the creator economy that is already ruling those spaces. Secondly, young people, Gen Zers in particular, are at the forefront of this economy and are operating as one-person businesses. The industry is light years behind conquering the Gen Z mindset. That’s why we’ve partnered with Publicis Sapient to create #STEEZ, a hub for finserv potentials to learn more about Gen Z and what it means to capture and delight them. Download The STEEZ Guide to Gen Z readiness, here: https://steezlife.co/

Whenever I’ve spoken about transformation of traditional banks, I pointed to Goldman Sachs building Marcus, its new mainstreet brand. But look around the industry and there aren’t a lot of good stories of digital transformation. Even Goldman is trying, but it isn’t clear that Marcus is working financially, even though it has attracted a lot of deposits. That’s why stories about a traditional institution evolving into something new are compelling – it’s just really hard to do. Marc Butterfied heads innovation for the First National Bank of Omaha. And he and his team recently launched Bend, a credit card as a service offering that’s competitive to fintechs in the space. Marc shares how he went about creating a startup within the bank that made the most of its resources and institutional knowledge and experience to punch above its weight. We discuss the new product, Bend, and its work with Greenlight to launch a credit card used by families and kids. Marc Butterfield is my guest today on the Tearsheet Podcast.

Welcome back to the Power of Payments podcast. I’m your host Ismail Umar, and in today’s episode, I’m joined by Josh Ackerman, Product Lead at Stripe. Josh leads a team of product managers that are constantly building and improving Stripe’s core payment products, which include Stripe Checkout, Stripe Payment Links, and Stripe Elements. His team creates APIs that allow startups, growth-stage companies, and larger enterprises to accept online payments. These products are used by millions of merchants and billions of end customers in different parts of the world. Josh joins me today to discuss the key findings from Stripe’s recent State of Checkouts report. He talks about the existing gaps between consumer expectations from online checkout and what most merchants currently offer, as well as how the checkout experience has evolved over the years.

COP27 ended around a week ago, and by now we've all probably seen the headlines – an agreement was finally reached to create a loss and damage fund to help poorer countries most impacted by climate change. Wealthier countries should pay, but exactly who will pay what is yet to be determined. While this agreement is a big milestone, there are some key aspects missing – there are no mentions of emissions peaking before 2025, or a clear follow-through on pashing down coal, which is discouraging. To help us get a better sense of what happened at the conference, today we're chatting with Lubomila Jordanova, the founder and CEO of PlanA. To read the transcript of our conversation, go to tearsheet.co.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller, and this was recorded live from the podcast stage at Money 20/20 this year. One of the things I find striking is how the event has evolved over the past few years. Where in years past, we saw a lot of consumer – we’re beginning to see more and more solutions targeting the enterprise. I think that’s clearly the case in enterprise payments. They’re just much harder to solve for. I’m joined today by Ulrike Guigui, head of enterprise payments strategy at Wells Fargo. We’re going to jump right in and talk about large firms' needs in today’s payments environment and what technologies they’re turning to to make it happen.

As consumers, Gen Zers are proving themselves to be quite different from previous generations – and that doesn’t just have to do with being digital-first. Short for 'style and ease', Steez marks Tearsheet’s dive into understanding the unique financial demands and preferences of this emerging generation of adults, including in-depth research into consumer behavior and conversations with leading experts in the field. The industry is light years behind conquering the Gen Z mindset. That’s why we’ve partnered with Publicis Sapient to create #STEEZ, a hub for finserv potentials to learn more about Gen Z and what it means to capture and delight them (download The STEEZ Guide to Gen Z readiness, here: https://steezlife.co/) FIRST EPISODE OF THE STEEZ PODCAST We’re kicking off the first episode of our Steez Podcast with a bang and a common message: youth are the future.. Host Rebecca Cohen was joined by Kristy Kim, CEO of TomoCredit, Michael T. Pugh, CEO, and President of Carver Federal Savings Bank, and Lule Demmissie CEO of eToro. TOPICS DISCUSSED You’ll learn: The data: Gen Z already has $360 billion in disposable income, and they’re just getting started. How Gen Z is impacting the investment industry and how firms are changing to better serve them Why Gen Z sees money differently than previous generations and how that’s impacting payments and credit cards The role financial education plays in Gen Z decisioning and how FIs are leveraging their learning assets to increase financial literacy How the changing nature of work for young people is impacting what they’re looking for from their financial institutions

The growth of digital banking has also welcomed the emergence of virtual cards. Virtual cards exist only in digital form, in a digital wallet. Say bye to plastic and hello to code. This is a big reason why virtual cards are increasing in popularity – they offer more robust security measures, making it harder for hackers and fraudsters to skirt the system. There's also very compelling business use cases for virtual cards. Corporate expense management might be moving from tediously having to submit all that boring info about that client lunch to just tapping a virtual corporate card with a smartphone. Some have even called this a revolution in business expense management – no more boring time consuming software, now a company can issue however many corporate cards it wants and each card can have its own restrictions. I'm talking about all of this today with my guests Kalpesh Kapadia, CEO at Deserve, a credit-card-as-a-service provider, and Brian Barnes, CEO at personal finance platform M1. Click here to read the transcript of our conversation: https://tearsheet.co/where-credits-due-podcast/where-credits-due-ep-13-the-growing-popularity-of-virtual-cards-with-deserve-and-m1

Welcome back to the Power of Payments podcast. I’m your host Ismail Umar, and in today’s episode, we will discuss why JPMorgan Chase is launching a digital rent payment solution, and how American consumers plan to use more flexible payments this holiday season. We will also talk about MoneyGram’s recent crypto expansion, and the potential role of digital currencies in the remittance industry.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I’m just back from Money 20/20 and a big theme this year was embedded finance. There were a host of old and new players vying for position in the financial tech stack. It makes sense – a few years ago, you could have counted the embedded platforms on one hand. Now there are dozens, just in the US. Enter Lithic, a software infrastructure company that enables companies to launch new card programs. I sit with co-founder and CEO, Bo Jiang, who shares his firm’s genesis story and describes the impact being born out of a consumer app has had on Lithic. We talk about how the firm stacks up against other embedded finance players and the need to scale as a platform in the space. Bo Jiang is my guest today on the Tearsheet Podcast.

Today we're talking about voluntary carbon markets and carbon credit ratings. So many companies are now making net zero commitments, and the way to get there is by cutting down their own emissions and using voluntary carbon credits to compensate for residual emissions, as it's nearly impossible to be perfectly carbon neutral without them. However, the voluntary carbon credit market is relatively new and many companies are over relying on carbon credits in the rush to call themselves carbon neutral. In order for this market to function properly, it needs accessible and quality information as well as trust and integrity. We need more funds to flow towards climate solutions, and carbon markets can facilitate this by creating investable carbon assets. But we need to ensure that on the supply side, the carbon credits are of the highest quality, and on the demand-side we need to avoid ‘greenwashing’ by ensuring those credits do not allow companies to avoid cutting their own emissions. I'm talking about all this today with Tommy Ricketts, CEO of BeZero Carbon, a company that provides carbon credit ratings and research tools to support buyers, intermediaries, investors, and carbon project developers. To read the transcript of our conversation, visit Tearsheet.co.