Welcome to the Tearsheet Podcast. I’m Zack Miller. The rebundling continues. Many popular fintechs began their lifecycles doing one thing very well and over time, have added in more products and services. For online banks, many have added — or are planning to add — investment offerings. When firms like Revolut and MoneyLion added investing, they did it by partnering with DriveWealth, which provides investment infrastructure as a service. DriveWealth’s John Shammas, the firm’s chief product officer, joins me on the podcast today to talk about what’s driving the business and how the move to zero commissions is changing what challenger banks are looking for from an investment product. We talk about how DriveWealth has integrated spending off a debit card to the rest of its product suite, as well as what’s in the pipeline for 2020. John Shammas is my guest today on the Tearsheet Podcast.