Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Banking software firm Temenos continues to invest and commit to the US market. The firm recently hired Jaqueline White to lead the charge in the Americas . Jacqueline has a strong background in financial services, software and services and joins me on the podcast today to talk about her mandate in leading Temenos and the firm’s relationship with the US market. We also talk a lot about digital banks and SaaS models applied to financial institutions. Jacqueline discusses the impact deposit growth will have on profitability for the industry. Jacqueline White is my guest today on the Tearsheet Podcast.

The following was produced by Tearsheet Studios. We worked with fintech software provider Autobooks to create a four part podcast series on the evolution of business banking and how banks can better service SMBs through a changing mindset, partnerships and integrations. With APIs and embedded finance, it’s getting easier for software firms to integrate financial products into their offerings. So, software used by the construction industry, for example, can incorporate payments via a tie-up with a fintech company. Derik Sutton leads marketing insights at Autobooks, a small business product suite that integrates directly inside of a bank's existing digital banking channels. So think cash flow management, sending digital invoices, accepting online payments, accounting and financial reporting, all directly integrated inside of a bank's online and mobile banking channel. The firm works with community banks all the way up to top 10 banks like TD Bank.

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. As a pioneer in personal financial management, Mint was a star. But after getting acquired by Intuit, Mint kind of dropped out of the public eye. Years passed and so many new PFM apps and challenger banks have entered the market. But Mint is back with a new ethos for addressing the challenge of helping consumers with their cash flow. Mint no longer stands alone as a consumer offering at Intuit which is deep into serving the small business. Intuit bought personal finance leader CreditKarma last year, giving Mint more of a home and strategy at the firm. Intuit’s head of consumer finance Varun Krishna joins me on the podcast to discuss where Mint has come from and where it’s taking its 25 million users in the future with a new product update and renewed push to help individuals manage their money. Intuit’s Varun Krishna is my guest today on the Tearsheet Podcast.

New entrants continue to launch into teen banking. Greenlight is an early entrant into the space, focusing on the financial interactions parents have with their kids. Greenlight has now extended its offering into investing. Greenlight Max is a fractional brokerage integrated into the app that allows kids, along with their parents, to make investments in stocks and ETFs. CEO Tim Sheehan joins me on the podcast to discuss the new product and the type of feedback Greenlight is getting from its 2 million users.

The following was produced by Tearsheet Studios. We worked with fintech software provider Autobooks to create a four part podcast series on the evolution of business banking and how banks can better service SMBs through a changing mindset, partnerships and integrations. It’s really hard running a small business -- owners have to wear many hats. Frequently, they’re taking care of sales, operations, customer service and finance all at the same time. You know the expression around kids -- that it takes a village to raise them? Well for a small business, it takes an ecosystem to support them. And that ecosystem should involve their banks. That’s because the most important thing to an SMB is cashflow. If cash is king, cashflow is the oxygen SMBs breathe. Without it, they struggle to survive. Banks play a key role here. Autobooks' Steve Robert explains how banks can step in to fill the void to help their small business customers.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. The best marketing and advertisements stay with you. They speak to the zeitgeist in the world at a specific time with the right words, the right imagery, the right message. Creative agency StrawberryFrog has worked with Truist, the combined BB&T and SunTrust bank, on its rebranding. When Covid hit early in 2020, the team pivoted, launching a series of campaigns that spoke of hope and combined destiny, that together, we’ll make it through. StrawberryFrog’s CEO and founder Scott Goodson and head of strategy, Chip Walker join us on the podcast to take us behind the scenes of the Live United campaign, that combines Truist, the United Way, and youth poet laureate Amanda Gorman, who delivers an inspirational message at a time it was needed most. StrawberryFrog won Tearsheet’s Agency of the Year Award for 2021. Here’s my discussion with Scott and Chip.

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only content is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. With all the new entrants to banking and financial services, there’s a sea of sameness around certain parts of the industry. Branding can take a product surrounded by competition and really make it memorable. But to do that, everyone needs to be on the same page. Marketing, PR, product, sales — there’s a consistency great brands have that underlies everything they do. Today’s guest is MJ Mueller, CMO of Frontify. The Swiss software company provides a brand management platform, working with large financial brands all over the world to build powerful brand experiences. MJ discusses how top financial brands — whether they’re incumbents or digital-only — make remarkable impressions and why collaboration and consistency are so important. We talk about the challenges the pandemic has posed for top and emerging brands. Lastly, MJ touches on the future of branding in the financial space. To hear the full audio and to access all of our exclusive, member-only material, head on over to tearsheet.memberful.com/join

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. A few years back, there was a race to embed payments into the browser. It makes sense, too. Most people who access the web through their computers use a browser to shop and bank. While the noise has died down, the Opera browser has continued to work on integrating financial services. Opera has 380 million users globally, with 50 million active European users. The firm is launching an app that gives its users cashback on purchases made through partner websites via the Opera browser. Users can also use the new app to open a current account and get a virtual debit card to shop online and off. The firm plans to offer savings, credit and investment opportunities in the future. Joining us on the podcast today is Krystian Kolondra, EVP Browsers & EEA Fintech at Opera.

Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. A lot is going on the issuing side. New players are entering, competition is crossing borders, and existing players are expanding into new products. Marqeta is making perhaps the biggest expansion of its platform since it’s launched. I’m joined by Chief Product Officer Kevin Doerr to talk about the firm’s new credit card issuing platform. We talk about what that means for the firm, its customers, and its competition. Doerr joined the firm last year and it’s been a wild one — he shares his experiences that show a company in growth mode coping with the changes of organic expansion, as well as challenges of dealing with the pandemic. Kevin Doerr is my guest today on the Tearsheet Podcast.

In 2015, Bank of Georgia launched a mobile bank. Ever since, it’s been ramping up its digital transformation program. By all accounts, the bank is on to something -- it’s converting customers over to digital channels. Two years ago, Bank of Georgia began its journey toward agile development. It created crossfunctional teams to develop banking products and to design the digital channels The following was produced by Tearsheet Studio. We worked with fintech software provider Strands to create a visual and audio case study about Bank of Georgia's digital transformation.