Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. Today’s guest is Steve Villegas, vp of payment partnerships in North America for PPRO. He works with acquirers and payment service providers to give them a single integration to offer a variety of local payment options to their customers. We explore a recent whitepaper PPRO published about how COVID has impacted consumer spending around the globes and disrupted payments particularly in cross border markets. We also discuss how the needs of the various players — from merchants to consumers — have changed during this period. Steve Villegas is my guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Many people know Ingenico as a manufacturer of payment terminals. Over years, the company has acquired firms in the digital payment processing space. Our guest on the podcast today, Andrew Monroe, runs the epayments division in North America, helping large multinational merchants accept payments from consumers across the world. Through his decade at Ingenico, Andrew has seen a lot of payment trends. In our discussion, we talk about the growth of subscription payment models and how firms can effectively implement them. We discuss how to effectively implement data strategies around optimizing conversions online. Andrew shares how firms can enter best new markets with digital payments and services. Andrew Monroe is my guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m editor in chief, Zack Miller. Challenger bank Stash is rooted in helping most Americans invest and build wealth, $5 at a time. The company has grown a lot this year. Co-founder and CEO Brandon Krieg joins me on the podcast to update the firm’s growth metrics. Stash recently won Tearsheet’s Challenger Bank Award for Best Card Product for its Stock Back Card, which rewards cardholders with fractional shares of companies they shop at. We talk about the growth opportunities for the firm and its decision early on to monetize its accounts via a subscription fee. Lastly, we discuss Stash’s relationship with Green Dot, its banking as a service provider, and what’s important to get right in those types of partnerships. Brandon Krieg is our guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m Zack Miller. BlueVine’s roots are in digital lending to small businesses. Beginning with a factoring product, the company moved into lines of credit. And when PPP rolled out at the beginning of the pandemic, the company ended up helping 155,000 SMBs receive over $4.5 billion in assistance. As the company has matured, it’s also introduced business banking. Freshly appointed chief marketing officer, Patrick Adams joins us on the podcast today to talk about BlueVine’s trajectory into banking. Adams was most recently the head of US marketing at PayPal after stints running marketing at Victoria’s Secret and BMG. He is juiced on the potential the firm has to go deeper into solving the pain points in SMB banking and we talk about his plans to grow and expand the business. Patrick Adams is my guest today on the Tearsheet Podcast.

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only event is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. Today’s expert is Ted Brown. He’s co-founder and CEO of a company called Digital Onboarding. He’s been in fintech for his entire career. His first company, Andera, built the first way to open up a bank account online. Now, his firm Digital Onboarding makes sure those people who opened up accounts become engaged, profitable relationships. During this Outlier Briefing, we discuss: why attrition rates of new customers are so stubbornly high in banking what typical onboarding experiences are like at banks and credit unions and why they fail what top FIs are doing to improve onboarding rates how onboarding is evolving and the role of technology to create engaged clients Digital Onboarding’s Ted Brown is our expert on today’s Outlier Briefing. To hear the full audio and to access all of our exclusive, member-only material, head on over to Tearsheet.co/outlier

FIS accelerator/Stratyfy Welcome to the Tearsheet Podcast. I’m Tearsheet editor Zack Miller. We’ve spoken to a lot of innovation program execs on this podcast. From corporate venture investing to accelerator programs, traditional FIs, in various ways, are trying to leverage the innovation that’s happening in fintech. This hasn’t been lost on the providers, either. FIS runs its own accelerator that works gets early-stage fintech firms in front of its clients to help solve their problems. FIS Banking Product Officer Spencer Jones joins me on the podcast along with Laura Kornhauser, CEO and founder of Stratyfy, a fintech company in the current cohort at the accelerator that develops AI-driven predictive-modeling software for FIs.

Welcome to the Tearsheet Podcast. I’m Zack Miller, editor at Tearsheet. There’s still significant friction dealing with international transactions. Payoneer is a pioneer in the space of helping people and businesses transact across currencies. Charles Rosenblatt is the firm’s new chief strategy officer. An executive with decades of experience in payments and financial services, Rosenblatt joins us on the podcast to talk about his new role and how Payoneer is positioned for further growth. He describes how the firm’s value proposition is differentiated from the competition and how sitting on both sides of the transaction can propel future opportunities for the payments firm. Charles Rosenblatt is my guest on the Tearsheet Podcast.

The convergence of retail and financial services is being led by large platforms that help merchants seamlessly reach customers online and offline. Indeed, embedding financial services within commerce platforms helps them unlock additional value from seller relationships, and provides a repository of data to personalize product offerings. A major player in this ecosystem is Shopify, a Canada-based company that helps more than a million merchants operate digitally and in-person. On today’s Tearsheet podcast, we speak with Kaz Nejatian, vice president and general manager of Shopify Financial Solutions. Shopify, a 14-year-old company that has a market capitalization of more than $100 billion, began making forays into financial services in 2013, with the launch of Shopify Point of Sale. Three years later, it rolled out Shopify Capital for sellers. The company in recent months made a couple of noteworthy financial product announcements, including the upcoming launch of Shopify Balance, a money management solution for sellers; and a buy-now-pay-later option for consumers in partnership with point-of-sale lender Affirm. Nejatian discusses Shopify’s financial product roadmap and how its embedded financial solutions connect to the company’s broader seller toolkit. A lawyer by training, Nejatian previously worked in private practice; the Canadian government; Facebook, and founded and successfully exited payments startup Kash.

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only event is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. Today’s guest is Jay Nair, who leads the financial services business for Infosys in the Americas. He’s responsible for one of the largest units in the company with annual revenues of around $800 million. Jay works increasingly with client CXOs to help them with their transformation journeys. He shares his experiences working with banks, insurance companies, and capital market firms to prepare for the reopening of the physical component of financial services as we think about the day after the pandemic. Jay gives his thoughts on open banking and what he calls the APIfication of financial services. With Infosys’ work across different verticals within financial services, he provides his views on the future of financial services. Here’s our Outlier briefing on financial services the day after the crisis with Jay Nair. To hear the full audio and to access all of our exclusive, member-only material, head on over to Tearsheet.co/outlier

Welcome to the Tearsheet Podcast. I’m Zack Miller. When the pandemic hit, lending models didn’t catch up quickly enough. Machine learning, like the kind Zest AI has developed, moved quicker, helping lenders to figure out how quickly things were deteriorating and where. ML models also have been instrumental in identifying and avoiding biases in lending practices. Zest AI CEO Mike de Vere joins us on the podcast to discuss his firms go to market strategy and business model and how the two kind of fit nicely. Mike shares his views on how to bring technology to lending and specifically, de-biasing models to approve more minority borrowers. Mike de Vere is my guest today on the Tearsheet Podcast. Before we jump into our show, I wanted to tell you about Tearsheet’s upcoming Challengers Conference. A first of its kind show, this 2-day online conference is everything about digital banking. We’ll have senior executives from top challenger banks like N26, Revolut, OakNorth, and Betterment as well as new entrants to the digital banking market, like Intuit and Credit Sesame. It’s all happening September 22 and 24th. Go to Tearsheet.co and click on Conferences at the top to learn more.