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6 days ago | 
tearsheet.co | Rabab Ahsan
This podcast is sponsored by Gusto Embedded. Payroll has emerged with the highest adoption rate at 71% across embedded finance categories, according to Tidemark Capital’s Benchmark Report. The right embedded payroll partner can help your institution be more competitive with SMBs, meet strategic goals, and reduce customer churn.
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1 week ago | 
tearsheet.co | Rabab Ahsan
To win SMB customers, banks need to build strategies that center around workflows and pain points: being digital is simply not enough. Only 35% of SMB owners report that they are able to manage their workload and have enough time to complete all of their tasks. And less than half (48%) report that they have the right digital tools to manage their business, according to a recent survey by US Bank.
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1 week ago | 
tearsheet.co | Rabab Ahsan
Non-bank financial institutions (NBFIs) are capturing more and more market share in SME lending by leveraging technology to offer quicker lending solutions. This puts pressure on FIs to evolve their approaches while managing costs and improving service quality.
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2 weeks ago | 
tearsheet.co | Rabab Ahsan
For our dedicated content series on Gen AI in financial services, we have had some of the biggest names in the industry speak to us about use cases that are unlocking pools of revenue and increased efficiency for these firms. These conversations have focused on Gen AI’s work in the back office at the biggest banks and fintechs in America, and how hundreds of teams across the industry are using the tech for tasks like software development, customer service, and summarization.
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3 weeks ago | 
tearsheet.co | Rabab Ahsan
Focusing on personalization can drive real topline growth and customer loyalty for e-commerce brands. In a world chock-full of brands competing for customers’ attention and spend, AI-driven personalization is helping mature brands capture more market share. For e-commerce firms, the right personalization strategy can make all the difference, turning browsers into buyers by delivering experiences that truly resonate.
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1 month ago | 
tearsheet.co | Rabab Ahsan
When generative AI first launched, consumer excitement was tangible and immediate. But banks? They hit the pause button. While the rest of the world was experimenting with ChatGPT and wondering what was possible, many financial institutions defaulted to their tried-and-true strategy: wait and see. Serious conversations about AI use cases in banking were virtually nonexistent — let alone any real research and development efforts. But not JPMorgan Chase.
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1 month ago | 
tearsheet.co | Rabab Ahsan
Investment in data is the hallmark of successful Gen AI implementations, according to Citizens’ Chief Data and Analytics Officer, Krish Swamy. Giving us a system wide view of how Citizens is leveraging Gen AI, Swamy joins the podcast to talk about harnessing the power of data to drive decision-making, enhance customer experiences, and navigate the complexities of digital transformation in the banking sector.
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2 months ago | 
tearsheet.co | Rabab Ahsan
We’ve seen digital sidecar brands of traditional banks rise to popularity and then fade from public memory over the years. But unlike Goldman’s Marcus, SMBC MANUBANK has shown commitment to making its digital bank Jenius Bank a success. Launched in 2023, Jenius Bank reached $1 billion in deposits and over $700 million before it hit its first anniversary.
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2 months ago | 
tearsheet.co | Rabab Ahsan
Notes from the desk: Welcome to this month’s Quarterly Review, a series where I dive into what executives from some of the best brands in financial services are focusing on in this quarter, as well as how they are planning to achieve their goals. It’s a chance for the industry to learn about what goes on behind an FI’s four walls and how leadership manages their priorities. But that’s not all: a review implies no mandates, a check in.
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2 months ago | 
tearsheet.co | Rabab Ahsan
The ubiquity of digital payments is contributing to a surge in chargebacks. The global volume of chargebacks is expected to increase to 324 million in 2028, according to recent data from Datos Insights in partnership with Mastercard. A significant chunk of the expected increase in chargebacks will occur in North America, with the expected volume of chargebacks reaching 132.9 million in 2028 from 114.4 million in 2025.
