{"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":"How Huntington modernized without touching the core ft. Qolo","slug":"how-huntington-modernized-without-touching-the-core-ft-qolo","published_at":"2026-04-08T18:46:52+00:00","page_url":"https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856/how-huntington-modernized-without-touching-the-core-ft-qolo","show_page_url":"https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856","url":"https://soundcloud.com/tearsheet/how-huntington-modernized","audio_url":"https://dts.podtrac.com/redirect.mp3/feeds.soundcloud.com/stream/2298845198-tearsheet-how-huntington-modernized.mp3","summary":"The pressure building on commercial banks today comes from several directions at once. Corporate treasurers are younger, more digitally native, and less tolerant of manual reconciliation. Business structures are more complex: A franchisee group running fifty locations needs fifty entities managed cleanly, not fifty separate bank accounts generating a month's worth of reconciliation work. And the banking core, the ledger system that underpins it all, was never designed to flex at this pace. The standard prescription for this problem is core replacement. However, banks are increasingly moving toward augmentation. Rather than replacing the core, banks are building around it, layering modern infrastructure above it to deliver capabilities the core was never meant to provide. Huntington National Bank's connected deposits product, built in partnership with payments infrastructure provider Qolo, is one example of that approach in practice. For Deepak Kapoor, Huntington's H ead of Payment Products, the realization was straightforward: \"We quickly realized we don't have all the Lego pieces in place to build the card that we want to build, and the ledger and the virtual account provide us with that missing Lego piece that we needed.\" The result is a virtual account structure that sits above the core and behaves, externally, like a real bank account, complete with routing numbers, inbound wires, and automated reconciliation, without requiring banks to touch the underlying system of record.","meta_description":"The pressure building on commercial banks today comes from several directions at once. Corporate treasurers are younger, more digitally native, and less t…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1484,"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/how-huntington-modernized-without-touching-the-core-ft-qolo/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/how-huntington-modernized-without-touching-the-core-ft-qolo.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}