Welcome to the Tearsheet Podcast. I'm Zack Miller.

Tearsheet recently ran Sara Toth Stub's article on the emergence of a new type of challenger bank. This financial institution is technology-enabled but doesn't necessarily have global ambitions. It's focused instead on serving a local or niche community.

Sara joins us on the podcast to talk about what prompted her research and story into how some community banks, faced with national and now international competition, are transforming themselves. We discuss her findings, as she explains what community banks are doing to compete in the age of the challenger banks.

We also discuss how these banks leverage fintech, turning their relationships with tech firms into ecosystems of innovation.

Sara Toth Stub is my guest today on the Tearsheet Podcast.