Tearsheet

Starting April, we will launch a new deep dive into how financial institutions are moving past AI buzzwords to create real business value. Our series explores: - Re-skilling the workforce for AI implementation - How Gen AI is revolutionizing banking marketing - Building digital assistants that truly enhance customer experience You can expect a mix of articles, podcasts, and LinkedIn Lives with the industry's top firms diving into how they are implementing AI technologies that deliver measurable results, transforming workforce capabilities, and building next-generation digital banking experiences that truly enhance customer value. #AI #financialservices #data #marketing #lending #risks

NEW PODCAST: The financial system is moving on-chain - insights from Coinbase's VP of Product, Max Branzburg In our latest podcast episode, Tearsheet's Zack Miller sits down with Max Branzburg, Vice President of Product at Coinbase, to explore how blockchain technology is fundamentally reshaping financial services. Key highlights from this insightful conversation: ? Coinbase's new Bitcoin-backed loan product allows customers to borrow USDC against their Bitcoin holdings in under a minute—unlocking liquidity while maintaining crypto exposure ? On-chain financial systems offer inherent advantages: they're instant, nearly free, globally accessible, and permissionless ? The adoption curve is evolving from "come for investment, stay for utility" to "come for utility, stay for investment" as practical applications like global payments become primary entry points ? Platform approaches are challenging traditional banking's vertical integration, enabling innovation cycles that legacy systems can't match ? Stablecoin transaction volume reached $30 trillion last year, exceeding Visa and Mastercard combined—signaling massive market demand As Branzburg notes, "We believe that on-chain financial services are actually better than what exists off-chain. They provide more value to customers, and so we're deliberately building with that technology to enable those end-user benefits." Listen to the full episode to understand how this convergence of centralized and decentralized finance is creating new possibilities for financial services. https://lnkd.in/e9TaXrjQ #FinancialServices #Blockchain #DigitalAssets #Fintech #TearsheetPodcast

?? JOIN TEARSHEET LIVE: Behind the Scenes of Brigit's Exit - Building Financial Health at Scale I'm excited to announce that I'll be hosting Zuben Mathews, Co-founder of Brigit, for an exclusive LinkedIn Live conversation next week! About the Event: In this exclusive conversation, we'll go behind the scenes of Brigit's recent acquisition by Upbound Group. Zuben will share insights on how Brigit's innovative approach to financial health technology successfully served over 1M paying subscribers, and how the combined company plans to expand its impact for the 75% of Americans living paycheck to paycheck. Why You Should Attend: - Learn how Brigit built a profitable fintech focused on financial inclusion and financial health with just 100 employees - Discover how Brigit's cash flow underwriting technology saved users over $1 billion in predatory fees - Understand the strategic vision behind the acquisition and how the combined company will serve 4M+ active customers - Gain insights into how to build fintech products that effectively serve the 75% of Americans living paycheck to paycheck Who Should Attend: - Fintech founders and operators - Financial services professionals - Investors focused on inclusive fintech - Anyone interested in building successful, mission-driven financial products This is a rare opportunity to hear directly from a fintech founder who successfully built AND exited a company serving financially stressed Americans - proving you can create significant social impact while building an enduring, profitable business. Drop a comment if you'll be joining us, and share with colleagues who might benefit from this conversation! #Fintech #FinancialInclusion #Acquisition #FinancialHealth #Tearsheet

Last year, Brex — born as a scrappy startup with a corporate card for startups that transformed into a global fintech and enterprise SaaS firm in corporate spend — made a bold move: it hit reset. This wasn’t just a tweak but a full-scale overhaul of its operating model, execution, and internal management structure. But why would a company that became the poster child for hyper-growth decide it was time to rethink its internal approach? Ben Gammell, Brex’s new President & CFO, outlines Brex 3.0 through three core pillars, what's driving the decision to pursue an IPO, and top priorities for this year. Read full story: https://t.ly/cZ0Ac #Startups #CorporateCards #SpendManagement #HyperGrowth

Coinbase has launched a new product allowing customers to borrow USDC against their Bitcoin holdings in under a minute, all powered by on-chain lending protocols. Join Tearsheet Editor-in-Chief Zack Miller as he speaks with Max Branzburg, VP of Product at Coinbase, about this innovative approach to asset-backed lending and what it means for the future of financial services. ?? Industry Insights: - Examine Coinbase's innovative approach to Bitcoin-backed USDC loans that execute in under a minute - Analyze the technical infrastructure powering this product and its implications for traditional lending models - Understand how on-chain financial services could reshape your institution's product strategy Why Financial Leaders Should Attend: As blockchain technology increasingly integrates with traditional financial services, forward-thinking executives need to understand both the competitive threats and partnership opportunities. This discussion offers critical insights on how established financial institutions can respond to innovations that are fundamentally changing customer expectations around lending, liquidity, and asset utilization. Expert Perspective: Max Branzburg brings deep product expertise from his seven years at Coinbase, where he's been instrumental in bridging traditional finance with digital asset ecosystems. Hear his candid assessment of how banks and fintechs can position themselves in this rapidly evolving landscape. Join the Conversation: ?? March 13, 2025 ? 1:30 PM ET / 10:30 AM PT Tearsheet continues to bring you the most relevant discussions on the technological transformation of financial services. Don't miss this opportunity to gain actionable insights on the convergence of DeFi protocols with institutional finance. #DigitalTransformation #BankingInnovation #FinancialServices #AssetBackedLending #InstitutionalFinance #BlockchainStrategy

Plaid's growth has served as a catalyst for the firm's recent rebrand. The new look showcases their expanded capabilities, reach businesses beyond fintech, and forge stronger connections with both B2B and B2C customers. In their rebrand, Plaid maintained their recognizable logo but updated most visual touchpoints by incorporating elements inspired by paper money and historical figures like Benjamin Franklin and Abraham Lincoln. https://lnkd.in/g4RZVA5Z

Tearsheet is proud to announce 4dFI Capital Partners, a new investment syndicate focused on fintech innovation in emerging markets Led by our own Editor-in-Chief Zack Miller alongside fintech veterans Russell Weiss and Josh Liggett, 4dFI connects financial industry experts with promising fintech startups in Latin America, Asia, and Africa. Why we're excited: Throughout our years covering financial innovation, we've seen how some of the most transformative ideas come from markets outside the US and Europe. From Brazil's Nubank (with over 100M users) to new models for earned wage access and WhatsApp banking, emerging markets are pioneering solutions that solve real problems. 4dFI offers a unique opportunity for finance professionals to: ?? Invest alongside industry experts ?? Access curated opportunities in high-growth markets ?? Build connections with innovative founders and peers ?? Learn about cutting-edge financial models before they reach mature markets Follow our coverage right here as we spotlight the entrepreneurs and innovations in the 4dFI portfolio Link to the full podcast in the comments #FintechInnovation #EmergingMarkets #FinancialServices #InvestmentOpportunity

NEW PODCAST EPISODE: "From the Trading Floor to Community Building" We sat down with Michelle Tran, Head of Commercial at Summer and founder of NYC Fintech Women, for an insightful conversation on her journey in financial services. Michelle shares how a frustrating meeting filled with "mansplaining" sparked her to create a community that now connects over 15,000 fintech professionals globally. From humble beginnings with 16 women at a rainy NYC meetup to hosting celebrations at the New York Stock Exchange, her organization is changing the landscape for women in financial services. Check out this clip of Michelle discussing how NYC FinTech Women amplifies female voices in the industry and provides a platform for the next generation of leaders. Listen to the full episode to hear more about Michelle's work tackling the $1.8T student debt crisis and her vision for the future of financial services: https://lnkd.in/dW4SX4ge #WomenInFinTech #FinancialServices #Leadership #TearsheetPodcast

“PayPal chose to become fully licensed because it was the best way forward to offer cryptocurrency services to its users, given the robust framework provided by the NYDFS for such services,” shares May Z., VP of Product at PayPal. With regulatory approval in place, PayPal took decisive steps forward each year, as illustrated in the chart attached. Read the full story to see how PayPal is weaving itself into the crypto fabric but with a calculated approach: https://t.ly/x6UKl

Ramp is eating its own AI dog food - and it's transforming the organization Geoff Charles, Chief Product Officer at Ramp, has a bold internal mission that matches the company's external AI push. They're not just building AI into their products—they're transforming how they work internally. "We have a goal internally at Ramp to have 100% of every employee use AI every single day," Charles shared in our recent Tearsheet podcast. Charles isn't just talking about AI integration—he's created dedicated teams to evangelize AI usage across every corner of Ramp: ? Sales reps use AI to craft more effective emails ? Support specialists leverage AI to answer tickets faster ? Engineers accelerate their coding with AI assistance ? Product managers automatically analyze customer insights from calls, support tickets, and user sessions The results? Pretty impressive. "It's making our teams radically more efficient," Charles explains. "Every single PM can do a lot more, and there's actually a lot more empowerment with less people... less bureaucracy, less layers of management, less overhead." In a fintech landscape where everyone's racing to slap AI capabilities onto their products, Ramp's eat-your-own-cooking approach gives them a genuine edge. They're living in the AI-powered future they're building for their customers. And that future looks lean. Charles's product philosophy? "I don't want two PMs in a room. When there's two PMs in a room, that means that I've failed in terms of my organizational structure." Here's Geoff describing building an AI-first culture from the inside out. Then dive into our full podcast to discover how they're reimagining expense management and preparing to "build the thing that kills you, before someone else will." (link in the comments!) #AI #FinTech #ProductDevelopment #CorporateFinance #Innovation #Ramp #ExpenseManagement