Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. I’m excited to share with you some news about our upcoming online conference, The Big Bank Theory. This year, we’ve combined two of our tent pole events: Challengers and Embedded into a single event, November 10-12. We’ve assembled the top companies and professionals creating and scaling this generation and next generation of digital banks.

Those may be traditional financial brands, like Goldman Sachs and Bank of America, or new banking brands, like N26 and Current. Or, in the future we may just bank with the brands and software we resonate with -- like a driver banking with Uber, a retail customer with Walmart, or a small business owner with Intuit.

Go to Tearsheet and click on conferences to register for free to this year’s The Big Bank Theory.

This year’s conference is sponsored by Publicis Sapient, Explorium, Argyle and Twilio.

I spoke with Twilio’s Bijan Mehta recently. He runs the firm’s work in financial services. I’m sharing some of the most important parts of our discussion on the power of embedded communications tools in today’s financial ecosystem.