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The Next Five

FT Partner Studio

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The Next Five is the FT’s partner-supported podcast, exploring the future of industries through expert insights and thought-provoking discussions with host Tom Parker. Each episode brings together leading voices to analyse the trends, innovations, challenges and opportunities shaping the next five years in business, technology, health and lifestyle This content is paid for by advertisers and is produced in partnership with the Financial Times’ Commercial Department Hosted on Acast. See acast ...
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Strata Studios

Paul Singh & Thomas Schreiber

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Strata Studios is the best resource to help you grow your PT or OT Clinic. We're the only single EMR platform & Revenue Cycle Management Service for Physical, Occupational, and Speech Therapy practices that helps you achieve a 99.99% reimbursement rate. Book a call with our team today 👉 stratapt.com
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Tearsheet is news, opinion, and analysis on the business of finance. Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business. Where social media, technology and finance intersect.
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There’s one question that has stumped our universe for centuries: Why do men? Emma Willmann is on a quest to find out the answer in this podcast from Betches Media. Each week, Emma is inviting some of the funniest and most interesting men she knows into the studio and pulling from the Ask Men Anything inbox to ask your biggest, weirdest, and most pressing questions of earth’s most mysterious beings. What makes a man ready to settle down and choose a partner? Why don’t men ask their friends f ...
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News and Views

The Quint

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From in-depth interviews and carefully curated opinions to hard-hitting political analysis and even the latest movie reviews, check out News and Views! Millions of listeners seek out Bingepods (Ideabrew Studios Network content) every day. Get in touch with us to advertise, join the network or click listen to enjoy content by some of India's top audio creators. [email protected] Android | Apple
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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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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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Clinic growth isn’t just about more patients or fancier tools. It’s about systems that keep the ones you already have. In this episode of Strata Stories, Paul Singh sits down with Amit Gaglani, PT — practice coach, to talk about why most PT practices don’t need more patients or tools… they need better systems to keep the ones they already have. The…
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Modern finance leaders have had to navigate turbulent waters over the last five to 10 years, buffeted by waves of geopolitical and macro market forces, rising economic nationalism, trade protectionism and environmental instability. Add that to the unprecedented pace of technological change, shifting consumer behaviours and a reimagined workforce. H…
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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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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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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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Too many owners believe higher pay is the only retention tool. But the truth? Recognition, clarity, and connection often drive loyalty far more than compensation. In this episode of Strata Stories, guest host Michael Silva sits down with Jason Collin, owner of PT Revolution, to dig into: 1. Why culture and recognition outpace pay when it comes to r…
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It is no surprise that for decades the US has reigned supreme when it comes to early stage tech dealmaking. Its risk appetite, coast to coast funding options, integrated market and policy support has created a perfect environment for would-be entrepreneurs to find funding and grow their companies into global tech titans. But, there is no shortage o…
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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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This week on Strata Stories, Paul sits down with Michael Uzar, PT, and founder of Rehab Risk Consulting, to explore the legal and operational blind spots that can quietly drain your clinic’s revenue, staff morale, and reputation. Mike is redefining risk: it’s not just compliance—it’s a tool to protect your people and strengthen your operations. Ins…
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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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The term polycrisis has been gaining traction in recent times as the world faces one disaster after another that are all interlinked. The far-reaching implications of a world at risk means boardrooms must remain agile to navigate their businesses past the rocks and into calmer seas. In a break away from our normal format, we've created our own boar…
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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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On today’s episode, Paul Singh, CEO of StrataPT, talks with Katie Sutton, PTA and host of "the PTA+ Podcast”, to explore how PTAs can play a bigger role in shaping the future of rehab. Katie and Paul Talk about: 1. Unlocking the untapped potential of PTAs in your clinic 2. Low-cost ways to invest in your PTA team 3. Why nursing’s “multi-entry pathw…
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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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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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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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On today’s episode of Strata Stories, guest host Rafi Salazar sits down with Colin Rigney, PT — educator and founder of Advanced MSK Ultrasound Center — to talk about a bold (and still controversial) model that’s helping PTs fill a massive gap in primary care. Colin’s using diagnostic ultrasound to build direct physician partnerships—and he’s not j…
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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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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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In today's digital world, artificial intelligence, data storage and cybersecurity are a critical triumvirate, intersecting to form a dynamic ecosystem that underpins modern technological infrastructure. They are strategic pillars that drive innovation, operational efficiency and risk management. Thus their interaction and integration is key to buil…
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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 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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On today’s episode of Strata Stories, Paul Singh, CEO of StrataPT, sits down with Neil Trickett, PT and CEO of Practice Promotions, to unpack what real marketing looks like for therapy practice owners — and why most clinics get it wrong. They dive into: 1. Why “just having a website” isn’t enough — and how to actually convert visitors into new pati…
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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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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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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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On this episode of Strata Stories, Paul meets with Kate McCommons, OT and CEO of Grow Together Therapy, to explore her inspiring journey and practical lessons for therapy practice owners. From solo mobile OT to leader of a growing pediatric clinic system, Kate knows what it takes to overcome obstacles and build real success. Inside this episode: 1.…
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We’re pulling a classic episode from the archives! Sturdy McKee, PT, breaks down how running your clinic like a well-oiled machine starts with the right metrics and leadership mindset. On this episode of Strata Stories, they unpack the must-track metrics that keep your practice profitable and growing. Paul and Sturdy dive into: 1. The 7 most import…
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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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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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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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On this episode of Strata Stories, Paul talks with Jerry Durham, CEO of The Client Experience Company, to talk about one of the biggest hidden problems in private practice: broken benefit verification. They dive into: 1. Why most clinics don’t need better tech—they need a better checklist 2. How one front desk script fix solved 8 months of billing …
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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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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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On this episode of Strata Stories, Paul sits down with Joseph Lowe, Founder of Pure PT Supply, to talk about one of the simplest ways to increase revenue without adding more visits. They get into: 1. Why niche practices are perfectly positioned to win with retail 2. How clinics lose thousands by not monetizing product referrals 3. Why legacy brands…
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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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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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Biotechnology is the use of biology in the production of new products, services, and organisms with the aim of improving human health and society. In 2024, the global biotech market was worth $1.68 trillion. By application, the health segment was responsible for just over half of that figure. Not surprising when you think that healthcare focused bi…
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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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On this episode of Strata Stories, Paul talks with Dana Strauss, DPT, a Health Policy and Government Affairs Professional, about in-depth examples of the financial gains therapists can achieve now by helping health systems save money. Paul and Dana discuss: 1. How PTs can lead cost-saving efforts by partnering with hospitals 2. Why RTM is under scr…
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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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This week on Strata Stories, Paul meets with Dalton Laino, Co-Founder of The Movement PTs, to unpack what it truly means to build a brand in healthcare and how it can boost your clinic's sustainability and profitability. They dive into: 1. Why branding can supplement (or even replace) traditional referral sources in private practice 2. What brandin…
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On this episode of Strata Stories, we dig into the archives for a GREAT conversation between Paul & Tony Maritato from 2023. For those unfamiliar, Tony is a PT—founder of Total Therapy Solutions. They unpack the operational strategies that can have a big impact on the success of your therapy practice. They dive into: 1. The advantages of niching do…
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On this episode of Strata Stories, Paul talks with Dana Strauss, DPT, a Health Policy and Government Affairs Professional. If you've ever wondered how to leverage your clinical background beyond patient care, this episode is for you. Paul and Dana discuss how therapists can: 1. Prepare to properly transition to non-clinical roles 2. Cultivate relat…
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Despite an interconnected and increasingly digitalised world, a historical black cloud has been hanging over an area of finance relied upon by institutions, retail and a billion people associated with migrant work: Cross-border payments. Domestic money transfer has seen a dramatic overhaul due to the digital revolution of recent years. But sending …
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This week on Strata Stories, Paul sits down with Michael Silva, a PT business coach and consultant, about how to build a thriving referral network without relying solely on physician referrals. They dive into key strategies for growing your clinic, including: 1. Partnering with trainers, coaches, massage therapists, chiropractors, and other non-phy…
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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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This week on Strata Stories, Paul meets with Rafi Salazar, OT, and CEO of ProActive Rehab & Wellness. Rafi brings a grounded, real-world perspective on leadership that every clinic owner needs to hear. They unpack the challenges and opportunities of leading people well, especially when the stakes are high. Inside this episode: 1. The conversations …
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