Best Capital Rivers Commercial Podcasts (2025)

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How TruStage Ventures built connective tissue between fintechs and credit unions 24:28

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2d ago24:28

24:28

Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller.For fintechs, cracking the credit union market is notoriously difficult. It's relationship-based, insular, and requires a fundamentally differe…

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How FIS is helping financial institutions evolve loyalty beyond rewards 14:20

6d ago14:20

14:20

Financial institutions are rethinking loyalty at a critical moment. Credit card spending sits at record highs, but economic uncertainty looms. For banks aiming to stay relevant, loyalty can no longer be an afterthought – it needs to be embedded into every customer experience from the start.At FIS's Emerald 2025 conference in Orlando, Mladen Vladic,…

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Banks reclaim commercial lending through technology and strategic partnerships 21:48

9d ago21:48

21:48

Commercial banks are confronting a rapidly shifting landscape as private credit markets grow toward $3.5 trillion and fintech competitors accelerate their offerings with AI-powered tools. Rather than retreating, traditional institutions are doubling down on technology investments and reimagining their commercial lending strategies to compete in thi…

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How community banks are balancing urgent pressures with long-term modernization 21:43

16d ago21:43

21:43

Community and regional banks operate in an environment of perpetual tension. They need to grow deposits and drive lending profitability while managing operating costs that threaten to overwhelm smaller institutions. They must also prevent increasingly sophisticated fraud while delivering customer experiences that match Amazon and Netflix. And they …

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Why every bank now needs a stablecoin strategy (whether they like it or not) 29:42

17d ago29:42

29:42

The GENIUS Act brings regulatory clarity to stablecoins, but Conduit CEO Kirill Gertman argues that clarity alone won't guarantee success. Banks face a choice between building their own infrastructure or becoming the pipes for others.Kirill Gertman has watched the stablecoin industry evolve from multiple angles. He spent nearly two decades in finan…

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Why venture capital infrastructure is finally getting automated 25:32

23d ago25:32

25:32

The venture capital world has a liquidity problem. With IPOs scarce and M&A exits few and far between, investors have been stuck in positions for years, unable to return capital to their LPs or move into new opportunities. But while traditional exit doors have stayed shut, technology has opened up new ones—specifically, platforms that make it possi…

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How to build a partnership that can survive market disruptions ft. Cross River and Best Egg 36:14

1M ago36:14

36:14

Some partnerships in financial services begin with a handshake and end with a contract dispute. Others start with a Sunday morning LinkedIn message and evolve into something that transcends the typical vendor-client relationship. The collaboration between Cross River Bank and Best Egg falls firmly into the latter category."When we first got into th…

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How CFOs can regain strategic control in times of economic volatility ft. FIS’ Chrissy Wagner and Seamus Smith 26:54

1M ago26:54

26:54

CFOs are abandoning quarterly planning cycles for week-by-week assessments as trade tensions, tariff uncertainty, and supplier volatility force a new short-term reality onto financial leadership. Seamus Smith, EVP and Group President of Automated Finance at FIS, and Chrissy Wagner, SVP of GTM at FIS, break down how finance leaders can balance urgen…

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Banks or Pipes: Where financial institutions go when agents take over 29:46

1M ago29:46

29:46

Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief.Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Jo…

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AI agents in production: Nvidia's Kevin Levitt on infrastructure for live banking systems 27:19

1M ago27:19

27:19

Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller.We've been covering AI in financial services for a while now—chatbots, generative AI, fraud detection models. But something fundamental is shif…

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FIS's McWilliams on SMBs, data sharing, and the strategy that wins in a competitive environment 20:03

2M ago20:03

20:03

Banks dramatically underestimate how their customers share financial data, and most of it happens through insecure screen scraping that creates fraud vulnerabilities and slows performance. Shane McWilliams, Head of Retail Digital Banking at FIS, breaks down the three critical challenges separating thriving institutions from those being left behind:…

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How Wix built payments, checking, and capital for 293 million users 39:34

2M ago39:34

39:34

Although every company is becoming a fintech now, Wix didn’t set out to do so – the firm’s entry into financial services started from observing what millions of small business owners actually needed when building their online presence. For Amit Sagiv and Volodymyr Tsukur, co-heads of payments at Wix, the path to serving these SMB customers well was…

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Pittsburg, CA Development Projects: Industry, Identity, and Inclusive Growth 42:39

2M ago42:39

42:39

In this episode Capital Rivers Executive Vice President Mathew Tate explores Pittsburg, California. Mayor Jelani Killings and Jordan Davis, Director of Community and Economic Development, share what sets their city and development approach apart.By Capital Rivers Commercial

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How Lendflow is helping embedded lenders reduce system fragmentation and gain an edge in AI 40:15

2M ago40:15

40:15

SMBs don't have access to the same level of sophisticated lending options as consumers.There is one fundamental problem that prevents this class of product from pushing forward: lenders juggle multiple data vendors, wrestle with disconnected point solutions, and these tools lack the ability to paint a full picture of the SMB customer and their need…

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How Upstart's AI is mastering growth, credit performance, and profitability 23:55

2M ago23:55

23:55

Welcome to the Tearsheet podcast, where we explore financial services together with an eye on technology, innovation, emerging models and changing expectations. I'm Tearsheet Editor in Chief, Zack Miller.There's an old theory in lending that you can only master two or three things: growth, credit performance and profitability. For decades, this has…

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Temenos embeds AI at the core, not just around it ft. CPO Sai Rangachari 15:32

2M ago15:32

15:32

In a sector where AI is promising a significant leap forward, financial institutions demand speed — with safety. Temenos has a track record of innovation and the customer trust to bring AI into the core of banking. Chief Product Officer Sai Rangachari is just nine months into his role at Temenos, but his mandate is sweeping: simplify product experi…

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Understanding the jabuticaba factor: How QED's Camila Vieira mastered local nuance in Latin American fintech investing 26:30

2M ago26:30

26:30

Today, we're joined by Camila Vieira, a Partner at QED Investors focused on Latin America. Camila brings a wealth of experience to our conversation, having established herself as one of the region's most influential fintech investors.Camila joined QED in 2022 as the company's first employee based in São Paulo, Brazil, where she focuses on early sta…

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How FIs are using modular modernization and the cloud to keep up with the change in payments ft. FIS and AWS 17:31

3M ago17:31

17:31

The payments landscape is experiencing regulatory upheaval, forcing financial institutions to rethink their approach to money movement modernization. With ISO message format changes, Swift updates, and evolving fraud requirements hitting simultaneously, banks are facing a complex web of compliance demands that require immediate attention."The regul…

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'We're changing the narrative on athletes being dumb money': The Player's Company 20:09

3M ago20:09

20:09

Today on the Tearsheet Podcast, we're diving into a story that captures the evolution of modern finance — where professional athletes aren't just endorsing products, but building the infrastructure that empowers the next generation of wealth creators.I'm joined by Sheldon Day, Co-Founder and President of The Player's Company, a collective of over 5…

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City of Eastvale: The Station, Eastvale Gateway, and a Safe Vision for Growth 32:38

3M ago32:38

32:38

It's a cliche that you "can't have your cake and eat it too". In commercial real estate, that often means choosing between growth and livability. Eastvale is proving that cities can grow fast without compromising safety, quality of life, or community standards. In this episode, Capital Rivers Commercial CEO Greg Aguirre talks with City Manager Mark…

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How design-thinking powers Temenos' empathy-driven experiences 15:59

3M ago15:59

15:59

From streamlining complex onboarding flows to surfacing the right information at the right time, design thinking encourages product design teams to bring empathy and intentionality into every layer of product development, creating experiences that are intuitive, responsive, and centered around real human needs.Temenos is leading the charge to bring…

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Why record keepers are becoming workplace financial wellness firms, ft. FIS 20:23

3M ago20:23

20:23

More than half of Americans report that they will run out of money when they stop earning a paycheck and millions haven't saved enough to maintain their standard of living in retirement, There is an urgent need to re-imagine the role record keepers play in financial wellness, and it starts by leveraging technology to close the gap between capabilit…

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The jazz ensemble approach: How Fundbox's dual leadership model powers lending growth 31:14

3M ago31:14

31:14

As fintech companies transition from scrappy startups to scaled operations, traditional leadership models often hit their limits. The demands of managing complex partnerships, navigating regulatory requirements, and driving sustainable growth require a different kind of executive structure than the founder-led approach that got many companies off t…

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Adam Nash on building Daffy, the membership-based platform for charitable giving 22:04

4M ago22:04

22:04

Americans give nearly half a trillion dollars to charity each year—over 2% of GDP. Yet despite this massive scale, charitable giving remains stuck in the past, dominated by donor-advised funds marketed exclusively to the wealthy and clunky processes that make generosity harder than it should be.Today I'm joined by Adam Nash, co-founder and CEO of D…

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How cloud-native core banking helped EQ Bank grow through improved customer experience 26:12

4M ago26:12

26:12

As the banking landscape accelerates toward digital transformation, some financial institutions are questioning how fast and far to leap. Others have long made the jump.As Canada’s first cloud-native bank, EQ Bank is already ahead of the curve. Its early adoption of a cloud-native core banking platform through a partnership with Temenos is now powe…

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How Citi is helping insurers compete in an always on digital payments landscape 25:47

4M ago25:47

25:47

Today, traditional insurance faces mounting pressures from new technologies and market entrants, and digital transformation has become an imperative rather than an option. Kamiel Bouw, Global Head of Insurance for Citi Treasury and Trade Solutions, joins the show today. He brings extensive experience navigating this evolving landscape, where effici…

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Banks can't duct tape their way out of legacy system failures. Core modernization is a business imperative 32:45

4M ago32:45

32:45

Banking executives face a familiar dilemma: decades-old core systems technically constrain innovation while replacement costs can reach hundreds of millions of dollars and take years to implement. Meanwhile, fintechs launch new products in weeks while traditional banks remain trapped in months-long approval cycles.The challenge extends beyond techn…

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How Temenos is leading banking forward through customer and partner insight 12:07

5M ago12:07

12:07

Isabelle Guis understands the need for marketing to speak technology's language. With an engineering background, Guis sees her strength as Temenos’ Chief Marketing Officer in bridging the communication gap between technology innovation and the value it brings to customers.In a conversation at the Temenos Regional Forum Americas 2025 held May 28-30 …

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'Value will accrue at the application layer': VanEck's Juan Lopez on crypto's infrastructure shift 24:57

5M ago24:57

24:57

The infrastructure for crypto-native finance is maturing beyond proof-of-concepts into real financial products. Tokenized securities are moving from experimental pilots to regulated offerings, stablecoin infrastructure is becoming the backbone for 24/7 payment systems, and traditional fintech companies are quietly integrating crypto rails to improv…

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How to serve customers better at the point-of-decision ft. Galileo’s CEO Derek White 22:53

5M ago22:53

22:53

While co-branded credit cards have dominated consumer wallets for decades, a new option is emerging in the payments landscape. Co-branded debit cards represent an untapped opportunity for brands to deepen customer relationships while addressing the preferences of a generation that increasingly chooses debit over credit.Derek White, CEO of Galileo F…

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How U.S. Bank is becoming the re-bundler of SMB financial services, ft. U.S. Bank’s Shruti Patel 20:22

5M ago20:22

20:22

SMBs are drowning in a sea of disconnected financial tools, juggling separate platforms for banking, payments, accounting, and lending. Many business owners find themselves logging into five or six different systems just to manage their daily operations, creating inefficiency and driving up costs at a time when economic pressures are mounting.U.S. …

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How FIS and Episode Six are helping FIs expand their products into new markets 21:53

5M ago21:53

21:53

Financial institutions are drowning in payment complexity. Between legacy systems, and the accelerating pace of change in how people pay, banks face a modernization crisis that threatens their competitive position. At the FIS Emerald Conference 2025, FIS announced a partnership with Episode Six which is designed to address these challenges head-on.…

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The fintech comeback: Sheel Mohnot on why 'everything is fintech' and what's getting funded in 2025 20:33

5M ago20:33

20:33

The fintech investment landscape is heating up again. After a challenging 2022 and 2023, early-stage funding is recovering, with companies focused on practical problems attracting serious investor interest. The shift is toward infrastructure, embedded finance, and AI applications that solve real workflow problems.Sheel Mohnot has been tracking this…

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How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next 26:35

5M ago26:35

26:35

The credit industry is shifting how it evaluates borrowers. Traditional credit scoring has left over a billion people without access to financial services, but lenders are increasingly turning to alternative data—bank transactions, spending patterns, real-time financial behavior—to make more informed decisions about creditworthiness.Andrew Endicott…

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KeyBank's Mike Walters on how SMB customer relationships are shifting from transactions to advice 32:04

6M ago32:04

32:04

The traditional banking model for small and medium-sized businesses has reached an inflection point. Before banking centered on straightforward product relationships, like loans, deposits, and basic services. However, banks are evolving recognizing that their SMB clients need operational partners who understand the unique challenges of running a bu…

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How Wise captured 25% of Brazil's cross-border market 29:29

6M ago29:29

29:29

While attention often focuses on developed markets, the most exciting fintech innovations are emerging where mobile technology, young digital-native populations, and gaps in traditional banking converge. These regions aren’t just adopting Western models – they’re creating entirely new paradigms that may eventually reshape global finance.Today I’m j…

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Meet the AI lending officer: How algorithms are taking over credit decisions 34:32

6M ago34:32

34:32

The traditional lending officer is facing their biggest disruption in decades. Gen AI is oozing into financial services quickly and deeply enough that it's already impacting how we evaluate credit risk and make lending decisions.This tension between human judgment and algorithmic precision is the latest focus in our ongoing AI series exploring how …

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The Harmony Gap: Why banks lose $100M annually when fintech and legacy systems don't play nice 22:59

6M ago22:59

22:59

Financial institutions are losing an average of $100 million annually due to a fundamental disconnect between fintech innovation and traditional financial systems. A phenomenon FIS and Oxford Economics have termed the "Harmony Gap." "We hear a lot from people about the challenges and friction they see in the money lifecycle," explains FIS CTO, Fird…

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How to get started with embedded lending and drive revenue 49:37

6M ago49:37

49:37

Embedded finance offers a chance for fintech firms, vertical SaaS companies, and marketplaces to drive revenue growth and build a sticky offering. Always strapped for cash and with their owners juggling multiple responsibilities at once, small businesses increasingly adopt vertical SaaS platforms to run their operations, the demand for integrated b…

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How Citizens is using Value-Added Services and a command center approach to empower SMBs 32:49

6M ago32:49

32:49

Traditional banking services alone aren't enough to serve the diverse needs of small and medium-sized businesses. Banks need to go further and think of their digital footprint as a launching pad for SMB owners by adding value-added services. On the show today, Mark Valentino, President of Business Banking at Citizens, and Taira Hall, EVP and Head o…

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How Temenos is co-creating AI products with banks, not just for them 17:19

6M ago17:19

17:19

Nine months into her role as Chief Product and Technology Officer at Temenos, Barb Morgan is focused on a simple principle when it comes to product strategy: quality over quantity. "We want to build less, but build it better," Morgan said during a conversation at the Temenos Regional Forum Americas 2025 held May 28-30 in Miami.Temenos' approach cen…

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“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 ... 23:43

6M ago23:43

23:43

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.Finastra’s Principal Product Manager Kristen Lista joins the Tearsheet podcast today to d…

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From ACH to stablecoins: Ben Milne's infrastructure evolution 24:38

6M ago24:38

24:38

Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller.As digital assets mature beyond speculation into practical financial tools, forward-thinking institutions are evaluating how programmable money…

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“Embedded investing isn't a feature — it’s a platform”: DriveWealth’s Harry Temkin on the future of investing 35:14

7M ago35:14

35:14

The financial services industry is undergoing deep technological change. API-first architectures are creating new possibilities for integration. Digital platforms are democratizing access to investing. Artificial intelligence is personalizing wealth management. Digital-first brokerages are redefining what's possible. Global investing barriers are f…

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Inside Mastercard's push to move LATAM's small retailers beyond cash 29:29

7M ago29:29

29:29

Tearsheet is excited to launch 4dFI Capital Partners, an exclusive group of out-of-the-box builders and investors building a community to invest in the next wave of fintech startups around the world. If you are an accredited investor and want to learn more, sign up hereAcross Latin America, we’re witnessing a massive shift as regions traditionally …

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ICSC Recap and Advice for Cities + Market Update 26:46

7M ago26:46

26:46

The Capital Rivers team returns from a successful trip to Vegas for ICSC, where CEO Greg Aguirre and Executive VP Matthew Tate shared their insight and advice, and returned with key takeaways. In this episode, Greg & Matthew recap the event, and offer key advice for cities in the days and weeks following up the event.…

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Capital Rivers Connect: Why It Works for Cities & Developers 36:24

7M ago36:24

36:24

As we count down to one of the most anticipated events of the year, ICSC in Las Vegas, Capital Rivers CEO Greg Aguirre and Executive VP Matthew Tate sync up on the Capital Rivers Connect program and why it works so well for both cities and developers. Greg and Matt chat about retail recruitment, and what cities can do to help lure the developers an…

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Lathrop: Incentives and Experience Await Retailers 31:41

8M ago31:41

31:41

Lathrop lured Tesla and now the city and its residents need businesses to support their growing city. Shelley Burcham is the right person for the job. As one of the most experienced retail recruiters in the state, and perhaps the nation, she's heading to ICSC with incentives for retail partners. In this episode, she shares her expertise with Capita…

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Will PayPal’s cash flow tools make capital access easier for SMBs? ft. Michelle Gill 24:46

8M ago24:46

24:46

As General Manager of PayPal’s Small Business and Financial Services Group, Michelle Gill is responsible for bringing together the products and services that help small business owners run and grow their business. She is my guest for this episode of the Tearsheet Podcast.Michelle brings deep financial expertise and experience building platforms and…

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How Citizens Bank is building GenAI with a five-year vision, not just quick fixes 39:44

8M ago39:44

39:44

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 …