Welcome back to Power of Payments. I’m your host Ismail Umar, and in today’s episode, we discuss why so many Americans are struggling to pay their bills on time, and we also talk about Florida-based payments startup Stax, which recently became a unicorn and wants to go head-to-head with Stripe.

On today's episode, I'm speaking with Kirti Naik, Head of Marketing and Communications at BNY Mellon Wealth Management. BNY Mellon is one of the oldest FIs in the world, which makes Kirti’s job leading their brand a serious undertaking, requiring a lot of creative thinking, doing, and vision to pivot the direction of 230 years of legacy. She’s here to talk to me today about BNY Mellon’s recent campaign, Do Well Better.

Welcome to episode 17 of Tearsheet's Banking Podcast (fka The Challengers Podcast). I'm your co-host, Zack Miller, Tearsheet's Editor in Chief. Joining me is Josh Liggett, investment team principal at OurCrowd. In this episode, we'll discuss: *Dave: The challenger bank significantly revised its revenue projections now that it's public. We'll explore unit economics, the pressures on fintechs once they go public and how some models are inherently hard to monetize *BNPL as the new neobank: BNPL appears to be a foothold for firms like Klarna and Affirm to move into managing more and more of their users' payments *Uptake of DeFi in TradFi: Josh shares some recent experiences at a conference to show that even the early adopters in the industry aren't quite there yet when it comes to using what they're building. *Apple's buy of Credit Kudos: Josh and Zack discuss what may be Apple's end game with a new acquisition of a European open banking player

The following was produced by Tearsheet Studios. We worked with consulting firm Ulysses Partners to create a four-part series on identity proofing and the importance of user experience in its emerging landscape. The series is based on our co-created guide, The Identity Proofing Guide: A practical hands-on review of user experience in leading solutions (https://bit.ly/3EUU3NR). https://tearsheet.co/sponsored/the-identity-proofing-guide-a-practical-hands-on-review-of-user-experience-in-leading-solutions/ In this session we’re joined by David Milligan, managing partner at Ulysses Partners, and Ashim Banerjee, founder and CEO of IDMission. We’ll be talking about the role of identity proofing in financial services at this moment, how an FI can measure success when it comes to identity proofing, and where identity verification fits in the payments space. Read it on our site: https://bit.ly/39ec1iB

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. We’ve been talking a lot about Buy Now, Pay Later and its role in payments, lending, and banking. Today we’re going behind the scenes in BNPL to see how the sausage is made. I’m joined by Affirm’s head of risk, Karthik Ramkumar. He leads a team of dozens of people as he manages all aspects of financial risk, including consumer credit, consumer fraud, merchant credit and merchant fraud. Our discussion is pretty far reaching – from talking about the evolution of the underwriting model, to sought after skillsets to address fraud to mental health in the workplace. If you’re interested in what goes into building a world-class risk operation at one of the top firms in the space, you’re going to want to spend the next 25 minutes with us. Karthik Ramkumar is my guest today on the Tearsheet Podcast.

On today’s episode I’m speaking with Michelle Faul, VP of Global Marketing at TreviPay. TreviPay is a global fintech that offers embedded payments in the digital B2B commerce space. Fun fact: TreviPay won Best New Product – for its B2B mobile payments app – at our Embedded Awards last November at the Big Bank Theory Conference. Check out Tearsheet.co to see all the awards we’ll be giving out for brands, campaigns, and products in 2022. Today, Michelle’s here to give our listeners a little behind the scenes about TreviPay’s community playbook.

Welcome back to Power of Payments. I’m your host Ismail Umar, and for today’s episode, I’m joined by Marwan Forzley, co-founder and CEO of Veem. Veem is a San Francisco-based global payments platform built for businesses. It aims to simplify international money transfers and improve the way companies pay and get paid around the world. The company uses blockchain as a payment rail to eliminate the need for intermediary banks and reduce payment costs for SMBs. Marwan is an advocate of using blockchain technology to make cross-border payments for businesses – and that’s what he’s here to discuss with me today.

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. When startups come on the podcast, we talk a lot about the need and the challenge to deliver digital financial services at scale. There’s probably no better example of that in the US market today than JPMorgan Chase. The firm has 60 million clients that access Chase products and services through digital channels. When it comes to scale, you don’t need to look solely to big tech – Chase is already there. On this episode, I’m joined by Rohan Amin, Chase’s chief product officer, and Gill Haus, Chase’s chief information officer. You’ll get a feel for the rapport between the two executives as we explore their roles and responsibilities in leading the firm forward into the future. Rohan and Gill discuss the evolving dependence consumers are building around their banking apps and the role banks play in their lives. Organizationally, Chase has adopted agile methodologies and teams. The duo discuss how product, engineering, design, and data and analytics get seats around the table. We also talk about their firm’s hiring activities and its appetite around technology talent right now. Chase’s Gill Haus and Rohan Amin are my guests today on the Tearsheet Podcast.

On today’s episode of the Acquire Podcast I’m speaking with John Forrester, SVP of Product at Ocrolus. Ocrolus is a document automation platform that powers the digital lending ecosystem. John is here to talk to me about Ocrolus’ “try and buy” offering launched last year, allowing any size lender – and non-lenders – to upload their financial documents for free.

The following was produced by Tearsheet Studios. We worked with consulting firm Ulysses Partners to create a four-part series on identity proofing and the importance of user experience in its emerging landscape. The series is based on our co-created guide, The Identity Proofing Guide: A practical hands-on review of user experience in leading solutions (https://bit.ly/3EUU3NR). In this session we’re joined by David Milligan, managing partner at Ulysses Partners, and Ruby Walia, advisor to fintechs and startups. We’ll be talking about identity proofing and why it matters, why we need to think about UX when it comes to identity proofing, and how financial providers can bring this technology to market. Read it on our site: https://bit.ly/3vPckIb