hardgroove

Tearsheet is a leading modern media publication, a daily must-read among influencers obsessed with the future of money.

Based in New York City, Tearsheet has deep experience identifying and analyzing existing and future trends, in its coverage of rising startups raising new capital to the digital moves of the largest players in finance and investing.

Tearsheet was launched as Tradestreaming in 2007 and has been an active participant in the rise of the global fintech industry. In 2016, it was acquired and relaunched by Digiday Media. In 2017, it was rebranded to Tearsheet.

Tearsheet Podcast: Exploring financial services together

HATE exclusive premiere.
Full streaming of the EP soon on our HATE Youtube channel.

Support the label, buy it here:
https://mutual-rytm.bandcamp.com/

Artist: Lars Huismann
Title: Sounds From The Past I EP
Label: Mutual Rytm
Catalogue: MR002
Format: 12” Vinyl
Genre: Electronic
Style: #Techno
Release date: March 2022

Tracklist: 
1. Surge
2. Collision
3. Echo
4. Funk Shed
5. Sounds From The Past I
6. Jackin (Digital Bonus)

Lars Huismann makes a quick return to SHDW & Obscure Shape’s newly minted Mutual Rytm imprint as he delivers a medley of classic, groove-driven techno productions via his ‘Sounds From The Past I’ EP.

Follow #MutualRytm here:
https://mutual-rytm.bandcamp.com/
https://soundcloud.com/shdw-mutual-rytm
https://www.instagram.com/mutual_rytm/

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DISCLAIMER: All tracks are uploaded in a low quality for promotional purposes only and with buy links to respect label and artists.

CONTACT EMAIL: hatemusic1@gmail.com

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Sounds From The Past I EP

Echo

Premiere: Lars Huismann - Echo [MR002]

Piano Skank

Lucass P - Versus EP [MLKL028]

A1. Lucass P - Boxing
A2. Lucass P - Hypnotise
B1. Lucass P - Boxing (JKS Remix)
B2. Lucass P - Hypnotise (AIROD Remix)

Artwork by PG Pasquet
Mastering by ZNZL

Lucass P - Hypnotise

Mary Droppinz - Modbo$$

Support here: https://mutual-rytm.bandcamp.com

SHDW’s label Mutual Rytm rounds out another year with 'Symbiosis' - an excellent split EP from Greek 
artists ANNĒ & Sera J, featuring six fresh cuts and four digital bonuses. 

The release title comes from the Greek word 'συμβίωσις', which means living closely together for a significant period and can be used to speak of a mutually beneficial interaction between individuals. And that is precisely what can be said of ANNĒ and Sera J, who have grown through life as partners and, more recently, as musical peers. This split EP is their first release alongside one another, and one that presents the story of their innermost feelings, with their full label debut following fine contributions to the label's 'Federation Of Rytm II' compilation back in March. 

ANNĒ has had a busy few years making her mark with potent techno on labels such as Soma, Hardgroove, and Life In Patterns, while Sera J is just as revered for his tunes on the likes of Out Of Place, DifferentSound and more. 

ANNĒ takes the A-side, firstly with the fiery diva vocals and thumping techno drums of 'Heal My Soul' and then the more physical and banging drum programming of 'Turn Back Time'. It's a big, metallic cut with rumbling bass and sleek synths peeling off the groove, while her final track 'Zephyrus' has plenty of infectious bounce and eerie pads to keep dancers on their toes. 

On the flip, Sera J kicks off with the electrifying synth stabs and cantering techno power of 'Blue Dancers' and then offers up 'Common People' as twisted leads and slamming drums all run through with alien sound effects and bright stabs. To close, 'Delusion' is a psychedelic cut with roaming leads that bring plenty of cosmic energy to the unrelenting kicks. 

In addition, each artist serves up a pair of digital bonuses: ANNĒ with the hurried funk of 'Serene' and loopy intensity of 'Victor', and Sera J with the liquid, dubby dynamics of the hard-hitting 'Intensity' and monstrous energy of 'Bodies Don't Lie.' 

ANNĒ & Sera J ‘Smybiosis’ drops via Mutual Rytm on 1st December 2023. 

Tracklist: 


A1 - ANNĒ - Heal My Soul  
A2 - ANNĒ - Turn Back Time 
A3 - ANNĒ - Zephyrus 
B1 - Sera J - Blue Dancers  
B2 - Sera J - Common People 
B3 - Sera J - Delusion 
DIGI - ANNĒ - Serene 
DIGI - ANNĒ - Victor 
DIGI - Sera J - Intensity 
DIGI - Sera J - Bodies Don’t Lie

ANNĒ & Sera J - Symbiosis

PREMIERE: ANNĒ - Heal My Soul [MR019]

Welcome, everyone, to another episode of The Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I’m Tearsheet’s editor in chief, Zack Miller.

Understanding how a system works is the first step to leveraging it to your advantage. However in an environment where just seven states provide excellent education in personal finance, younger generations like Gen Z are starting out at a massive disadvantage.

But some fintechs like the family education and finance focused fintech Greenlight, have started to build products that aim to fill in this gap. The company’s financial literacy game Level Up offers children a chance to engage with personal finance topics in a fun, gamified environment. 

In this conversation, Greenlight’s SVP, Business Development, Matt Wolf, joins Tearsheet editor and founder Zack Miller, on stage at our Gen Z Symposium held on March 7th, 2024 in New York City. 

Wolf dives into the state of Gen Z’s financial literacy and their expectation that FIs should operationalize their position as a trusted source to better inform and educate the coming generation about personal finance. He also shares why this expectation is sometimes difficult for banks to meet fully and how partnerships can help ease some of the technical and business difficulties with building Gen Z-focused financial literacy products. 

The big ideas

The gap in financial literacy: “What’s interesting is when you poll them [Gen Z], three out of four believe that they don’t currently have the skill sets they need, and they’re not confident in their skill.”

Banks want to reach Gen Z but their attention is divided: “If it comes to, hey, can we talk about financial health, or can we talk about additional lending products, sometimes you’re gonna lose out on that.”

Building for Gen Z means building for the future: “There’s an understanding that engaging in acquiring and having a relationship with that next generation is good for their immediate bottom lines. But just looking at the future societal consequences and their communities when people are making bad investments, if they’re being very loose with how they use credit, it’s going to be critical.”

'Having a relationship with Gen Z is good for banks’ immediate bottom lines': Greenlight’s Matt Wolf

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

SMBs have taken it on the chin during this crisis.

Nicole Jass, senior vice president of small business and fraud products at FIS joins us to discuss how small business needs have changed and how FIS has responded with product and an evolving product roadmap. The payments technology firm has rolled out upgrades and new products for customers in the past couple of months and Nicole checks in to describe how they’re using them.

Nicole Jass is my guest today on the Tearsheet Podcast.

FIS' Nicole Jass on helping SMBs with new products during this crisis

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

Artificial intelligence in finance has long been overhyped, but AI is making an impact in lending decisions. Online lender Upstart exemplifies how the set of technologies can expand lenders’ inclusiveness without necessarily taking on any more risk.

Paul Gu, a co-founder at Upstart, joins us on the podcast to talk about his firm’s new AI-powered credit decisioning API that’s letting banks and other lenders deliver instant credit decisions for auto, personal, and student loans. We discuss Upstart’s performance during COVID as well.

Paul Gu is my guest today on the Tearsheet Podcast

Upstart's Paul Gu: 'AI is a mindboggling change in the economics of lending'

Welcome to Tearsheet’s Outlier Briefing. This subscriber-only content is exclusive for our Outlier members. We go deeper with subject matter experts, to take actionable steps that can impact your business and practice.

Rina Plapler has been working in brand strategy for over 20 years. That means she’s worked with many of today’s top financial brands with market positioning, messaging, and their product portfolios. As a partner at MBLM, she was instrumental in creating her firm’s research on brand intimacy — the emotional science that measures the bonds we form with the brands we use and love. She’s applied this research to the financial industry in an effort to rank the companies and characteristics that make for today’s strongest brands.

Rina joins to discuss what makes up brand intimacy and how emotional people feel around financial services. We look at her rankings and the attributes of today’s strongest financial brands. Lastly, she provides advice to companies to make themselves into more intimate brands.

To hear the full audio and to access all of our exclusive, member-only material, head on over to Tearsheet.co/outlier

Outlier Briefing: MBLM's Rina Plapler on improving brand intimacy in financial services

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

Student lending is undergoing a significant transformation. Earnest 

Earnest has refinanced over $10 billion for over 124,000 people, helping them pay off their debt and giving them the financial capital to reach their goals.

The company combines design and data to build an innovative model for consumer lending, available through a simple, easy to use mobile application. David Green, chief product officer at Earnest, joins us on the podcast to talk about lending in our economic environment, as well as the firm’s relatively new product, in-school student loans. Lastly, we talk about the lender’s product pipeline.

David Green is my guest today on the Tearsheet Podcast.

Earnest's David Green on student lending in the current economic environment

A few weeks back, payments API firm, Galileo launched Instant, which dramatically simplifies and accelerates launching a debit card — taking what can be a multi-month process and turning it into a couple of weeks. Galileo claims it had hundreds of companies signed up for a beta when it went live and the interest is still very strong. Founder and CEO Clay Wilkes talked about Instant when he addressed Tearsheet’s Resilience Conference a couple of weeks ago. 

Galileo Managing Director Cole Wilkes joins us on the podcast today to talk more about Instant.

Galileo's Clay Wilkes on launching Galileo Instant

Tearsheet is news, opinion, and analysis on the business of finance.

Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.

Where social media, technology and finance intersect.