When you talk to Bill Barhydt about his days at Netscape, you can’t help but feel that he’s reliving that excitement today -- with cryptocurrencies. He’s the founder and CEO at Abra, a crypto wealth management platform that includes a brokerage, high yield investments, as well as a cryptocurrency lending service. Bill joins us on the podcast to talk about the firm’s genesis story, going global, and how Abra services the needs of its consumer and institutional clients in almost 100 countries. We discuss about the evolution of crypto and how the old school banking world and digital asset ecosystems are already working together. Bill shares more about the firm’s recent launch of its crypto lending service and where that product might go in the future. Bill Barhydt is my guest today on the Tearsheet Podcast.

The following was produced by Tearsheet Studios. We worked with payment as a service provider Volante Technologies to produce a two part series on banks transforming their payments to the cloud and the road to streamlining the customer journey. The payments space is changing. Technology providers are stepping up and offering FIs the ability to modernize their existing payment processes. Through their cloud-based platforms, Payments as a Service providers make it possible for banks to provide digital services that modern customers desire and expect. The move to partnering with a PaaS provider means that FIs can reap the benefits of moving to the forefront of digital transformation -- but what does that really mean?

Today’s guest on the podcast is Matt Sueoka, head of global strategy, partnerships and enablement for Amex Digital Labs. We discuss what it takes to scale new form factors in digital payments. Matt shares how Amex Digital Labs makes investments, chooses partners and prioritizes its product pipeline across form factors like QR, tokenization, and P2P -- Matt gives real like examples of projects that were headed by his part of the organization that eventually found a home in American Express’ product portfolio.

The following was produced by Tearsheet Studios. We worked with crypto brokerage Paxos to create a podcast series about the mainstreaming of crypto, the genesis of Paxos, the rise of stablecoins, and crypto’s energy and environmental impact. Alongside the mainstreaming of crypto are concerns about the impact of its mining on the environment. While a significant amount of crypto is mined with renewable sources like solar and hydro, much of it still relies on non-renewable, carbon dioxide emitting sources. For the final episode of this series, we spoke with Paxos’ CEO Charles Cascarilla about the truth behind the concerns, the relationship between economy and energy, and what he learned from building his own crypto mining farm.

Retail is enjoying a fintech Renaissance of sorts -- from BNPL and other new forms of payments to a maturation of the ecommerce checkout experience. Fast is building one-click checkout on merchant sites across the internet. Much like Uber made payments invisible, Fast is doing something similar for shopper identities. Creating accounts on sellers’ sites has always been an impediment to the payment flow. Fast takes away that friction with an elegant solution that shares user information with merchants and also integrates to include SKU-level data. Allison Barr Allen is co-founder and COO of Fast. She joined Fast from Uber, where she was head of global product operations for the Money Team. As my guest on the podcast, Allison describes some of the challenges inherent in ecommerce payments. We chat about the opportunity to go both global in scale as well as niche down into specific industry solutions. Allison Barr Allen is my guest today on the Tearsheet Podcast.

The following was produced by Tearsheet Studios. We worked with payment as a service provider Volante Technologies to produce a two part series on banks transforming their payments to the cloud and the road to streamlining the customer journey. Volante helps banks around the world rise to the challenge of digital transformation. Through simplifying payment systems and processes, they help banks modernize their customer experience. And what sets Volante apart is its technology architecture -- it was built from the ground up for the cloud.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. With all the fintech and focus on the unbanked and underbanked, there are still tens of millions of Americans who lack access to mainstream financial services. Those are Mission Lane’s customers. A spinoff of LendUp, the firm’s credit card is the first product in a portfolio designed to address this demographic’s financial needs and wants. Shane Holdaway is Mission Lane CEO. After a career on the other side of the aisle, running businesses for large traditional financial institutions, he’s charged with leading the company into its next stage of maturity. We talk about his personal transition from finance to fintech and how that informs his work. We talk about why the financial industry has failed so many and what he and his firm plan to launch and grow in the future. Shane Holdaway is my guest on the Tearsheet Podcast.

The following was produced by Tearsheet Studios. We worked with crypto brokerage Paxos to create a podcast series about the mainstreaming of crypto, the genesis of Paxos, the rise of stablecoins, and crypto’s energy and environmental impact. The mainstreaming of crypto means the mainstreaming of blockchain technology as well. Through blockchain, it is now possible to hold all assets — within and outside the cryptocurrency market — safely and decentralized. Stablecoins are an attractive digital asset, because they promise to pave the way for a new and improved movement of money.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. 47 percent of professionals in the US are considering investing in and launching embedded finance offerings. That’s according to a new report produced by Plaid and Accenture Research. A majority of non-financial companies are using partners, buying, or licensing technology as part of an embedded finance strategy. Plaid’s COO Eric Sager joins Ben Brown, cross-industry financial services lead at Accenture, on the podcast to talk about embedded finance -- what competitive trends are at work, where embedded finance is headed and what it takes to be a winner in the space as new brands move into banking and finance.

The following was produced by Tearsheet Studios. We worked with Q2, a digital banking software company, to create a four part podcast series on the interplay between banks and fintechs. We no longer view them as diametrically opposed. With new embedded finance and banking as a service technology, banks and fintechs can work together to serve customers better. Banks and fintechs can collaborate to give customers what they’re best at delivering. Jonathan Price, Q2: My name is Jonathan Price. I run emerging businesses at Q2. It’s an organization that we set up in late 2019, early 2020 that brings together the fintech ecosystem and the bank and credit union ecosystem that Q2 has always served. There's really four legs of the stool to the emerging businesses group at Q2. The first two are the enterprise wide functions of corporate and business development: how we think about and execute M&A, as well as partnerships. And then the other two legs of the stool are incubated startups inside the company. One called Q2 BaaS, which is our banking as a service business. And then what we announced just a couple of weeks ago, Q2 Innovation Studio. That's an interesting new business we launched in 2020 and just went GA last month. We're letting the third party ecosystem ride the rails of our digital banking platform, our core product of the company, and opened up that SDK to third parties, allowing them to access the channel of banks and credit unions that use our digital banking platform. That includes over 18 million end users, as well as approximately 2 million small businesses.