Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller.

With all the talk about challenger banks and mega banks, tier 2 financial institutions like community banks and credit unions frequently get lost in the conversation. My guest today on the show is Arcadi Lapiro. His experience building first generation challenger banks has molded his worldview on the banking industry. Now, he’s back with Agora (https://agoraservices.us/), a banking as a service platform targeting tier 2 banks and credit unions.

Lapiro joins me on the podcast to discuss the opportunities and challenges for smaller banking institutions facing competition from mega banks and new upstarts. We talk about Agora and why he built a platforms starting with 2 embedded services: SMB banking and teen banking.

Arcady Lapiro is my guest today on the Tearsheet Podcast.