Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice. I’m Zack Miller, editor in chief at Tearsheet To get access to the full audio and transcripts, head on over to Tearsheet and apply to become an Outlier member(tearsheet.co/outlier). Today’s guest is Dan Faggella, a global expert on artificial intelligence and its use cases for financial services. Dan’s the founder and head of research at Emerj, a research and advisory company on AI. Dan takes a practical approach when it comes to discussing AI’s potential in financial services. The adoption challenge for banks taking up AI are real — he’s polled them and has built a framework around them and how to overcome hurdles. We talk about concrete use cases for AI in the front office and where we’re headed when it comes to cross-selling or customer acquisition. Dan Faggella is my guest today on the Outlier Podcast.

Welcome to the Tearsheet Podcast. I’m Zack Miller. Consumers increasingly expect higher levels of personalization from their financial services providers. Whether it’s from a challenger bank or Bank of America, people are used to Netflix-level of recommendations. An entire industry is cropping up to help provide a consumer’s data from all her accounts so that a service provider can provide actionable advice when she needs it most. Envestnet I Yodlee’s senior vice president of products and strategy Brandon Rembe joins me on the podcast to talk about what leading financial services organizations are doing about best practices in personalization for their customers. Hyper-personalization, he says, presents an opportunity for FIs to provide insights that take into account and anticipate consumer behavior based on their savings, investing, and spending habits. Especially in crazy times like we’re experiencing today, aggregating financial data and creating insights with these tools ultimately enables consumers to have a more complete understanding of their financial health and empowers people to improve their long-term financial wellness and reach their goals. Brandon Rembe is my guest today on the Tearsheet Podcast. But before we jump into the show, I wanted to tell you about Tearsheet’s newest online conference, DataDay 2020. Entire financial ecosystems are emerging around financial institutions and large fintech companies with data at its core. We’re spending three days hearing from top executives at firms like Fiserv, MX, Wells Fargo, Envestnet I Yodlee, Plaid and more about they are best leveraging customer data to help deliver better products and services. DataDay 2020 is all about data sharing, data aggregation, and personalization. For more information, click on the DataDay Conference button at the top of our website, www.tearsheet.co

Welcome to the Tearsheet Podcast. I’m Zack Miller. If you’re a retailer or a new challenger bank, it just doesn’t make sense anymore to build out payments infrastructure when you have firms like Rapyd out there. Eric Rosenthal, Rapyd’s managing director of the Americas, joins us on the podcast to talk about the hot fintech as a service firm that has gone global from its very start. The company just launched into Brazil and Eric describes the company’s global strategy and how Brazil plays into that. We talk about who’s integrating payments and where the market is headed. Eric Rosenthal is my guest today on the Tearsheet Podcast. But before we jump into the show, I wanted to tell you about Tearsheet’s newest online conference, DataDay 2020. Entire financial ecosystems are emerging around financial institutions and large fintech companies with data at its core. We’re spending three days hearing from top executives at firms like Fiserv, MX, Wells Fargo, Envestnet I Yodlee, Plaid and more about they are best leveraging customer data to help deliver better products and services. DataDay 2020 is all about data sharing, data aggregation, and personalization. For more information, click on the DataDay Conference button at the top of our website, www.tearsheet.co

Welcome to the Tearsheet Podcast. I’m Zack Miller. The current COVID-19 crisis presents a massive challenge to the financial industry. And like every crisis, it also presents an amazing opportunity to service customers in an entirely new way. In the US, the CARES Act and its Paycheck Protection Program means banks will need to process approximately 50 times their normal annual loan volume in the next 30 to 60 days. On today’s podcast, we talk to UK lending platform OakNorth’s CIO Sean Hunter. Sean and his team have designed an end-to-end solution —from application and document collection to pre-screening and forgiveness — to help regional and community banks process this insane volume. Sean takes us through the requirements of the various government assistance programs, how banks are dealing with the strain, and how OakNorth built its new capabilities through a process of running its own loan book for its UK challenger bank. Sean Hunter is my guest today on the Tearsheet Podcast.

Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. To get access to the full audio and transcripts, head on over to Tearsheet and apply to become an Outlier member(tearsheet.co/outlier). Today’s guest is David Donovan, executive vice president at Publicis Sapient. He leads the firm’s North American financial services practice. Publicis Sapient is a domain-lead digital consultancy. It works with all the major investment banks and that gives David a good view into what’s going on strategically and operationally on the ground in banking. David doesn’t mince words when it comes to digital transformation. For him, it’s really a matter of life or death, and that’s before we were hit with the COVID-19 crisis. He takes us behind the scenes to show how some of the top banks are transitioning to a work from home environment and how it’s impacting his own as well as his clients’ businesses and product development. We drill down on AI and how companies are really beginning to derive value from advances made there. Here’s our Outlier briefing on branding with David Donovan.

Welcome to the Tearsheet Podcast. I’m Zack Miller. From Skype to Thomson Reuters, David Gurlé has sat on the cutting edge of enterprise communications for two decades, in 2014, David founded Symphony, a communication and collaboration platform for financial services. David joins us on the podcast to talk about how communications technology has evolved in the financial sector and looks out ahead to what’s in store. More than just a platform to connect, Symphony has APIs so that its users can share and automate workflows. The company recently released the second generation of its platform with simplified interactions and a customizable UI and smart notifications. David Gurlé is my guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m Zack Miller. Dwolla’s new CEO Brady Harris joins me on the podcast. He’s been in the payments industry long enough to see the real opportunity for B2B payment players and how the space has evolved over time. We talk about ACH, the role it plays in payments ecosystem, and where it might be headed. Use cases are expanding and Harris describes how different firms and industries are using it to advance their payments experiences. We talk about Dwolla and where the company can continue to find growth. Brady Harris is my guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m Zack Miller. Today’s guest is Nicole Newlin. She’s the vp of solutions at Ocrolus, which provides fintech infrastructure for data analysis. She runs the team that handles client onboarding and integration. She’s also NYC Fintech Women’s newest board member. Nicole shares her personal journey as a woman rising through the ranks within fintech. She also shares her plans to extend NYC Fintech Women’s reach through things like education, community and coaching. I ask her for career advice she’d give her younger self. Nicole Newlin is my guest today on the Tearsheet Podcast.

Welcome to the Tearsheet Podcast. I’m Zack Miller. When we launched our podcast 10 years ago, one of our first guests was a French entrepreneur living in San Francisco. He had a small but upwardly aspirational startup. Renaud Laplanche’s Lending Club ended up becoming a major player in fintech as a public company and a force in the marketplace lending arena. Now, Laplanche is back for more. He’s the CEO of Upgrade, a new challenger bank that was built with lending at its heart. He joins me on the podcast to talk about the genesis story of Upgrade and how so much of his experience launching and growing LendingClub informs Upgrade’s products and positioning. We discuss how the current COVID-19 crisis is impacting the industry for both incumbents and upstarts and how Upgrade’s new products — a contactless credit card that has built in pay-over-time features — play into today’s market dynamics. Renaud Laplanche is my guest today on the Tearsheet Podcast.

Welcome to Tearsheet’s Outlier Podcast. This subscriber-only podcast i exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your businesses and practice. To get access to the full audio and transcripts, head on over to Tearsheet and apply to become an Outlier member(tearsheet.co/outlier). Today’s guest is Louis Sciullo, executive director financial services at Landor (landor.com/) North America, a brand consulting and design firm with deep roots in the financial services industry. He’s spent nearly three decades managing Wall Street brands like Lehman Brothers and Barclays. Now, he leads the financial services practice at Landor, supporting and growing some of the largest financial brands. Louis joins us to talk about what the COVID-19 pandemic calls for from both large and small financial brands. He explores the transformation of financial retail and what it takes to be an agile financial brand. We discuss customer retention strategies in an increasingly competitive environment. Here’s a snippet of our Outlier briefing on branding with Louis Sciullo. To get access to the full audio and transcripts, head on over to Tearsheet and apply to become an Outlier member(tearsheet.co/outlier).