Tearsheet Podcast: Exploring Financial Services Together

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. As challenger banks expand their capabilities, many with debit and credit cards are adding in rewards as a way to service their customers. Dosh gives millions of users cash back when they shop at top retailers that are using cash back as an acquisition tool. Dosh recently announced a major expansion of“Powered by Dosh,” (https://www.prnewswire.com/news-releases/leading-fintech-companies-tap-dosh-platform-for-industry-leading-cash-back-offers-301110469.html) with Venmo and Jelli as its first official partners. Now with Dosh, any financial service company can now provide automatic, instant, card-linked cash back experiences for their users. The fintech firm has just partnered with Betterment. With Dosh’s cash back experience fully integrated into their Betterment Debit Card, Betterment can offer Checking users a seamless rewards program with great offers from thousands of merchants. Powered by Dosh will provide Betterment Checking customers with the ability to browse available deals, where they’ll frictionlessly earn cash back. Dosh CEO Ryan Wuerch joins me on the podcast to talk about the deal with Betterment and Dosh’s positioning as an embedded finance tool.

Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. As we’ve discussed many times on the podcast, the pandemic has accelerated a lot of digital trends that were already underway before COVID-19 hit. There’s been a big push away from cash and towards contactless but major US cities are pushing back on cashless retailers. So, where will all this lead? Diebold Nixdorf’s Simon Powley joins me on the podcast to discuss integrating physical currency and digital tools. Drilling down, we look at the durability of cash and ATMs as a banking channel. Powley shares insights from his work with major banking institutions around the US about the future of cash and banking, in general. Simon Powley is my guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. Eighteen months ago, there was a lot of talk around voice and the possibilities of using human speech as a new automated channel in financial services. There’s less talk now but the technology continues to improve. Today’s guest on the podcast is Clinc’s Jon Newhard. He’s been around technology a lot for the past 25 years and as Clinc’s newly appointed CEO, he’s juiced at the opportunity to be able to understand unstructured speech and interpret the underlying meaning of customer support inquiries. Clinc provides its customers – primarily banks and financial institutions – with the tools needed to improve their customer support services. Jon Newhard is my guest today on the Tearsheet Podcast.

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.