{"podcast":{"title":"Tearsheet Podcast: Exploring Financial Services Together","slug":"tearsheet-podcast-exploring-financial-services-together-463856","podcast_index_feed_id":463856,"rss_url":"http://feeds.feedburner.com/tradestreamingradio","website_url":"http://www.tearsheet.co","image_url":"https://i1.sndcdn.com/avatars-batVmF6oMZiaAByI-6JWpGA-original.jpg","author":"Tearsheet Studios (zack.miller@gmail.com)","episode_count":500,"summary":"Tearsheet Podcast explores financial services together. We're the podcast of record for news and opinion about the finance industry. Weekly, we identify, track, and analyze top trends impacting the business of finance, with an eye on the digital disruption wrought by fintech and new financial technology. Every week, your host, Zack Miller, Tearsheet's founder and editor in chief, interviews thought leaders, senior executives, and entrepreneurs helping to form the next generation of financial services and technologies.","last_synced_at":"2026-07-02T00:18:08.473544+00:00","page_url":"https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856"},"episode":{"title":"Banks reclaim commercial lending through technology and strategic partnerships","slug":"banks-reclaim-commercial-lending-through-technology-and-strategic-partnerships","published_at":"2025-12-15T06:55:23+00:00","page_url":"https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856/banks-reclaim-commercial-lending-through-technology-and-strategic-partnerships","show_page_url":"https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856","url":"https://soundcloud.com/tearsheet/banks-reclaim-commercial-lending-through-technology-and-strategic-partnerships","audio_url":"https://dts.podtrac.com/redirect.mp3/feeds.soundcloud.com/stream/2227799639-tearsheet-banks-reclaim-commercial-lending-through-technology-and-strategic-partnerships.mp3","summary":"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 this new environment. \"Banks are not short-term thinkers,\" says Héctor Pagés, SVP and Head of Global Commercial Lending at FIS. \"We're not seeing a slowdown in terms of interest or investment from our institutions, in terms of advancing and changing the ways that they're working.\" The response from banks has been multifaceted, according to Pagés. Some retail-focused institutions are shifting resources toward commercial lending, while smaller commercial banks are expanding into more complex lending products. Others are adopting an \"originate to distribute\" model, partnering with private credit firms to spread risk while generating fee income. This strategic evolution is happening against a backdrop of regulatory uncertainty, tariff fluctuations, and the continued expansion of non-bank lenders into territory traditionally dominated by banks. Listen to the podcast to learn about how banks are transforming their commercial lending operations through unified technology platforms, the role of AI in automating credit decisions and underwriting processes, and why cloud infrastructure is becoming essential for global scalability.","meta_description":"Commercial banks are confronting a rapidly shifting landscape as private credit markets grow toward $3.5 trillion and fintech competitors accelerate their…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1308,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/tearsheet-podcast-exploring-financial-services-together-463856/episodes/banks-reclaim-commercial-lending-through-technology-and-strategic-partnerships/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856/banks-reclaim-commercial-lending-through-technology-and-strategic-partnerships.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}