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Tearsheet is about the modernization of money and commerce. As people spend, save, bank and invest their money differently, Tearsheet chronicles the way both incumbent financial services giants — as well as newer upstarts — scramble to deal with a new consumer reality. Based in New York City, Tearsheet has deep experience identifying and analyzing existing and future trends, in its coverage of embedded finance to the digital moves of the largest players in financial services.
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Steering $10 Trillion Daily: JPM Payments' Global Head of Technology on payments, AI, and leadership - Tearsheet

Steering $10 Trillion Daily: JPM Payments' Global Head of Technology on payments, AI, and leadership Tearsheet

Announcing the Winners of the 2025 Tearsheet Lending Awards - Tearsheet

Announcing the Winners of the 2025 Tearsheet Lending Awards Tearsheet

Announcing the 2025 winners of The Power of Payments Awards - Tearsheet

Announcing the 2025 winners of The Power of Payments Awards Tearsheet

How Lendflow is helping embedded lenders reduce system fragmentation and gain an edge in AI - Tearsheet

How Lendflow is helping embedded lenders reduce system fragmentation and gain an edge in AI Tearsheet

From loans booked to loyalty earned: How Citizens is reimagining student banking - Tearsheet

From loans booked to loyalty earned: How Citizens is reimagining student banking Tearsheet

What U.S. Bank, BNY, and Nvidia understand about the future of money - Tearsheet

What U.S. Bank, BNY, and Nvidia understand about the future of money Tearsheet

How Upstart’s AI is mastering growth, credit performance, and profitability - Tearsheet

How Upstart’s AI is mastering growth, credit performance, and profitability Tearsheet

Announcing the winners of The Big Bank Theory Awards 2025 - Tearsheet

Announcing the winners of The Big Bank Theory Awards 2025 Tearsheet

The Payroll Effect: Turning wage flows into embedded finance opportunities - Tearsheet

The Payroll Effect: Turning wage flows into embedded finance opportunities Tearsheet

Temenos embeds AI at the core, not just around it ft. CPO Sai Rangachari - Tearsheet

Temenos embeds AI at the core, not just around it ft. CPO Sai Rangachari Tearsheet

Job Opportunity: Tearsheet is hiring a Creative Sales Leader - Tearsheet

Job Opportunity: Tearsheet is hiring a Creative Sales Leader Tearsheet

The tri-fold strategy: How Intuit Credit Karma is turning UX, marketing, and product into Gen Z’s financial on-ramp - Tearsheet

The tri-fold strategy: How Intuit Credit Karma is turning UX, marketing, and product into Gen Z’s financial on-ramp Tearsheet

B2C BNPL changed shopping – can international B2B BNPL players do the same for North American SMBs? - Tearsheet

B2C BNPL changed shopping – can international B2B BNPL players do the same for North American SMBs? Tearsheet

The making of ‘Business Essentials’: How U.S. Bank is changing the SMB banking game with its all-in-one checking account - Tearsheet

The making of ‘Business Essentials’: How U.S. Bank is changing the SMB banking game with its all-in-one checking account Tearsheet

The Great Fintech Reset: How leading players are reimagining their core identity and making big changes - Tearsheet

The Great Fintech Reset: How leading players are reimagining their core identity and making big changes Tearsheet

“I have seen firsthand how payments can be a strategic entry point to deepen relationships and solve real business challenges”: BMO’s new U.S. Head of TPS Sales, Katie Oresar - Tearsheet

“I have seen firsthand how payments can be a strategic entry point to deepen relationships and solve real business challenges”: BMO’s new U.S. Head of TPS Sales, Katie Oresar Tearsheet

JPMorgan Chase’s Gen AI implementation: 450 use cases and lessons learned - Tearsheet

JPMorgan Chase’s Gen AI implementation: 450 use cases and lessons learned Tearsheet

How design-thinking powers Temenos’ empathy-driven experiences - Tearsheet

How design-thinking powers Temenos’ empathy-driven experiences Tearsheet

After the Pop: Klarna’s first month as a public company - Tearsheet

After the Pop: Klarna’s first month as a public company Tearsheet

How Temenos is co-creating AI products with banks, not just for them - Tearsheet

How Temenos is co-creating AI products with banks, not just for them Tearsheet

CMO Corner: “People always say that between speed, quality, and price, you can’t have all three, you can only pick two. My goal is to break that idea,” ft. Public’s Zach Dioneda - Tearsheet

CMO Corner: “People always say that between speed, quality, and price, you can’t have all three, you can only pick two. My goal is to break that idea,” ft. Public’s Zach Dioneda Tearsheet

How FIs are using modular modernization and the cloud to keep up with the change in payments ft. FIS and AWS - Tearsheet

How FIs are using modular modernization and the cloud to keep up with the change in payments ft. FIS and AWS Tearsheet

‘Zero of my profits will come from late fees’: Affirm’s Max Levchin on building trust in lending - Tearsheet

‘Zero of my profits will come from late fees’: Affirm’s Max Levchin on building trust in lending Tearsheet

Announcing the winners of Tearsheet’s 2025 Data Awards - Tearsheet

Announcing the winners of Tearsheet’s 2025 Data Awards Tearsheet

How Citi is enabling banks to drive growth and remain competitive in a 24/7 world - Tearsheet

How Citi is enabling banks to drive growth and remain competitive in a 24/7 world Tearsheet

Small bank, big moves: Six Gen AI use cases that move the needle for small banks (and three that don’t) - Tearsheet

Small bank, big moves: Six Gen AI use cases that move the needle for small banks (and three that don’t) Tearsheet

What’s going on in Open Banking? - Tearsheet

What’s going on in Open Banking? Tearsheet

How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White - Tearsheet

How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White Tearsheet

Chime, SoFi, Nubank: How three different roads are converging into one digital banking paradigm shift - Tearsheet

Chime, SoFi, Nubank: How three different roads are converging into one digital banking paradigm shift Tearsheet

Zip CEO Joe Heck: Expanding financial inclusion through Buy Now, Pay Later innovation - Tearsheet

Zip CEO Joe Heck: Expanding financial inclusion through Buy Now, Pay Later innovation Tearsheet

Citizens sharpens its open banking edge with a new API design - Tearsheet

Citizens sharpens its open banking edge with a new API design Tearsheet

How fintech learned to stop disrupting and start building infrastructure - Tearsheet

How fintech learned to stop disrupting and start building infrastructure Tearsheet

Why record keepers are becoming workplace financial wellness firms, ft. FIS - Tearsheet

Why record keepers are becoming workplace financial wellness firms, ft. FIS Tearsheet

KeyBank deepens its collaboration with Qolo, modeling how banks can build deeper fintech partnerships - Tearsheet

KeyBank deepens its collaboration with Qolo, modeling how banks can build deeper fintech partnerships Tearsheet

Now live: Apply for Tearsheet’s 2025 Awards - Tearsheet

Now live: Apply for Tearsheet’s 2025 Awards Tearsheet

The Wise Strategy: Digital Banking in LATAM - Tearsheet

The Wise Strategy: Digital Banking in LATAM Tearsheet

TD Bank is building a purpose-driven workforce and workspace for its AI future - Tearsheet

TD Bank is building a purpose-driven workforce and workspace for its AI future Tearsheet

How FIS and Episode Six are helping FIs expand their products into new markets - Tearsheet

How FIS and Episode Six are helping FIs expand their products into new markets Tearsheet

What happens when the biggest bank starts thinking like a tech firm? The 3 pillars transforming J.P. Morgan’s banking model - Tearsheet

What happens when the biggest bank starts thinking like a tech firm? The 3 pillars transforming J.P. Morgan’s banking model Tearsheet

The story of Erica, Bank of America’s homegrown digital assistant - Tearsheet

The story of Erica, Bank of America’s homegrown digital assistant Tearsheet

“Take a hard look at your current ecosystem. If you were to double the assets under your management today, would your current ecosystem sustain that growth?” Finastra’s Kristen Lista, on what FIs need to do to compete in SME lending - Tearsheet

“Take a hard look at your current ecosystem. If you were to double the assets under your management today, would your current ecosystem sustain that growth?” Finastra’s Kristen Lista, on what FIs need to do to compete in SME lending Tearsheet

The Partnership Reckoning: How financial services learned to stop worrying and love (partnership) due diligence - Tearsheet

The Partnership Reckoning: How financial services learned to stop worrying and love (partnership) due diligence Tearsheet

How banks can stay relevant, not relics: Lessons from BNY & Citi - Tearsheet

How banks can stay relevant, not relics: Lessons from BNY & Citi Tearsheet

Tearsheet Report: The AI Reality Check – Q1 2025 Edition - Tearsheet

Tearsheet Report: The AI Reality Check – Q1 2025 Edition Tearsheet

Not products, but pipes: How incumbent institutions are piecing together the next era of finance - Tearsheet

Not products, but pipes: How incumbent institutions are piecing together the next era of finance Tearsheet

How embedded finance is positioning J.P. Morgan Payments as a key marketplace infrastructure player - Tearsheet

How embedded finance is positioning J.P. Morgan Payments as a key marketplace infrastructure player Tearsheet

How cloud-native core banking helped EQ Bank grow through improved customer experience - Tearsheet

How cloud-native core banking helped EQ Bank grow through improved customer experience Tearsheet

How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel - Tearsheet

How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel Tearsheet

How AI is changing payment fraud prevention: From evolving scams to predictive defenses - Tearsheet

How AI is changing payment fraud prevention: From evolving scams to predictive defenses Tearsheet

The Quarterly Review: How Zelle's GM Denise Leonhard scaled beyond $1 trillion through customer growth and 2,300+ financial institution partnerships - Tearsheet

The Quarterly Review: How Zelle's GM Denise Leonhard scaled beyond $1 trillion through customer growth and 2,300+ financial institution partnerships Tearsheet

Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative - Tearsheet

Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative Tearsheet

How Temenos is leading banking forward through customer and partner insight - Tearsheet

How Temenos is leading banking forward through customer and partner insight Tearsheet

Why Affirm’s most important product isn’t BNPL at checkout (alone) anymore - Tearsheet

Why Affirm’s most important product isn’t BNPL at checkout (alone) anymore Tearsheet

‘Payroll is one of the most direct and impactful entry points for embedded finance’: Green Dot’s Crystal Bryant-Minter on the firm’s embedded finance strategy - Tearsheet

‘Payroll is one of the most direct and impactful entry points for embedded finance’: Green Dot’s Crystal Bryant-Minter on the firm’s embedded finance strategy Tearsheet

Inside the playbook: How top finance and fintech brands navigate uncertain markets - Tearsheet

Inside the playbook: How top finance and fintech brands navigate uncertain markets Tearsheet

Announcing: These companies are the winners of Tearsheet’s 2025 Marketing Awards - Tearsheet

Announcing: These companies are the winners of Tearsheet’s 2025 Marketing Awards Tearsheet

Why 70% of banks don’t report the outcomes of Gen AI deployments - Tearsheet

Why 70% of banks don’t report the outcomes of Gen AI deployments Tearsheet

Meet the AI lending officer: How algorithms are taking over credit decisions - Tearsheet

Meet the AI lending officer: How algorithms are taking over credit decisions Tearsheet

The Quarterly Review: How Wise’s Lauren Langbridge aims to accelerate partner growth through infrastructure and talent - Tearsheet

The Quarterly Review: How Wise’s Lauren Langbridge aims to accelerate partner growth through infrastructure and talent Tearsheet

What’s left in the shadows: The Oklahoma institution that grew by keeping its head down - Tearsheet

What’s left in the shadows: The Oklahoma institution that grew by keeping its head down Tearsheet

Why AI maturity in financial services is as much of a technology story as it is a talent story - Tearsheet

Why AI maturity in financial services is as much of a technology story as it is a talent story Tearsheet

Rise: Egypt’s digital banking evolution mirrors Nubank’s Brazilian success story - Tearsheet

Rise: Egypt’s digital banking evolution mirrors Nubank’s Brazilian success story Tearsheet

How 5 US regional banks are getting bigger without going generic - Tearsheet

How 5 US regional banks are getting bigger without going generic Tearsheet

3 things Klarna: AI strategy reversal, credit losses, and banking move - Tearsheet

3 things Klarna: AI strategy reversal, credit losses, and banking move Tearsheet

Green Dot lends real-world reach to Crypto.com’s digital ambitions - Tearsheet

Green Dot lends real-world reach to Crypto.com’s digital ambitions Tearsheet

Banking Without Borders: How Lili is making US banking accessible to international SMBs - Tearsheet

Banking Without Borders: How Lili is making US banking accessible to international SMBs Tearsheet

What BaaS companies learned the hard way in 2024 — and what’s coming next - Tearsheet

What BaaS companies learned the hard way in 2024 — and what’s coming next Tearsheet

Banking’s customer experience upgrade finally has a roadmap - Tearsheet

Banking’s customer experience upgrade finally has a roadmap Tearsheet

Self Financial Makes Secured Credit Cards More Accessible - Tearsheet

Self Financial Makes Secured Credit Cards More Accessible Tearsheet

How US Bank is building workflow solutions for SMBs and where its offering needs to go next - Tearsheet

How US Bank is building workflow solutions for SMBs and where its offering needs to go next Tearsheet

How Coinbase is putting a crypto spin on old-school finance - Tearsheet

How Coinbase is putting a crypto spin on old-school finance Tearsheet

‘Trust me, I’m an algorithm’: How fintech is rebuilding customer confidence in the age of AI - Tearsheet

‘Trust me, I’m an algorithm’: How fintech is rebuilding customer confidence in the age of AI Tearsheet

The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice - Tearsheet

The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice Tearsheet

‘Stablecoins and tokenized deposits will be complementary, not competitive’: BNY’s Carl Slabicki on the next chapter for treasury - Tearsheet

‘Stablecoins and tokenized deposits will be complementary, not competitive’: BNY’s Carl Slabicki on the next chapter for treasury Tearsheet

How Credit Unions are empowering their lending and marketing teams with Gen AI - Tearsheet

How Credit Unions are empowering their lending and marketing teams with Gen AI Tearsheet

AI in banking: Finally getting past the demo stage - Tearsheet

AI in banking: Finally getting past the demo stage Tearsheet

From payment processor to commerce platform: PayPal’s new card launch tells a bigger story - Tearsheet

From payment processor to commerce platform: PayPal’s new card launch tells a bigger story Tearsheet

U.S. Bank deepens focus on CX through its recent embedded payments suite expansion - Tearsheet

U.S. Bank deepens focus on CX through its recent embedded payments suite expansion Tearsheet

The Quarterly Review: Current’s CTO Trevor Marshall reports on Model-Driven Success - Tearsheet

The Quarterly Review: Current’s CTO Trevor Marshall reports on Model-Driven Success Tearsheet

Which trends are driving embedded lending solutions and why they’re winning over SMBs - Tearsheet

Which trends are driving embedded lending solutions and why they’re winning over SMBs Tearsheet

A quarter into 2025, where are Goldman and Apple steering their strategies next? - Tearsheet

A quarter into 2025, where are Goldman and Apple steering their strategies next? Tearsheet

LATAM’s Digital Payment Future w/ Mastercard’s Walter Pimenta - Tearsheet

LATAM’s Digital Payment Future w/ Mastercard’s Walter Pimenta Tearsheet

How Bank of America cracked the code on AI adoption by making Erica indispensable to both customers and employees - Tearsheet

How Bank of America cracked the code on AI adoption by making Erica indispensable to both customers and employees Tearsheet

The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025 - Tearsheet

The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025 Tearsheet

Announcing Josh Stephens, SVP Product, Current @ the Gen Z Symposium - Tearsheet

Announcing Josh Stephens, SVP Product, Current @ the Gen Z Symposium Tearsheet

Remitly’s next act: Building a multi-rail highway for global money - Tearsheet

Remitly’s next act: Building a multi-rail highway for global money Tearsheet

“Embedded investing isn’t a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing - Tearsheet

“Embedded investing isn’t a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing Tearsheet

The new economics of wealth management: Stirlingshire’s advisor-first approach - Tearsheet

The new economics of wealth management: Stirlingshire’s advisor-first approach Tearsheet

PayPal's Michelle Gill on reducing complexity for SMBS and evolving lending solutions - Tearsheet

PayPal's Michelle Gill on reducing complexity for SMBS and evolving lending solutions Tearsheet

How Zip Co is rewriting its playbook for the BNPL 2.0 era - Tearsheet

How Zip Co is rewriting its playbook for the BNPL 2.0 era Tearsheet

Inside Shopify’s company-wide Gen AI push under Tobias Lütke - Tearsheet

Inside Shopify’s company-wide Gen AI push under Tobias Lütke Tearsheet

How AI is disrupting financial services and how companies can respond - with Publicis Sapient CEO, Nigel Vaz - Tearsheet

How AI is disrupting financial services and how companies can respond - with Publicis Sapient CEO, Nigel Vaz Tearsheet

With its deposit token debut, J.P. Morgan is setting the pace for global banks in bringing institutional finance on-chain - Tearsheet

With its deposit token debut, J.P. Morgan is setting the pace for global banks in bringing institutional finance on-chain Tearsheet

BNPL is expanding its scope, and banks are finding their way into the narrative - Tearsheet

BNPL is expanding its scope, and banks are finding their way into the narrative Tearsheet

From isolation to integration: How financial firms are building the infrastructure for crypto’s real-world usability - Tearsheet

From isolation to integration: How financial firms are building the infrastructure for crypto’s real-world usability Tearsheet

Paymentus (US: PAY) CEO Dushyant Sharma on how his firm is modernizing enterprise bill payments with a single code - Tearsheet

Paymentus (US: PAY) CEO Dushyant Sharma on how his firm is modernizing enterprise bill payments with a single code Tearsheet

While no one was looking, Intuit has built a fintech empire - Tearsheet

While no one was looking, Intuit has built a fintech empire Tearsheet

CMO Corner: Acorns’ Kasia Leyden on how the firm is driving consumer action through warmth and education - Tearsheet

CMO Corner: Acorns’ Kasia Leyden on how the firm is driving consumer action through warmth and education Tearsheet

‘Banking’ on AI: How four financial leaders are building trust, not just technology - Tearsheet

‘Banking’ on AI: How four financial leaders are building trust, not just technology Tearsheet

It’s a ‘fintech plus’: How J.P. Morgan Payments became the bank’s $4.7B growth engine - Tearsheet

It’s a ‘fintech plus’: How J.P. Morgan Payments became the bank’s $4.7B growth engine Tearsheet

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