Member Exclusive, Podcasts

‘No one ever said, I can’t wait to go banking today’: Bank of America’s Hari Gopalkrishnan

  • As needs changed during the pandemic, Bank of America customers turned to Erica, its virtual financial assistant, to get help.
  • Bank of America customers are also using more P2P payments, too -- Zelle usage at the bank is up 73%.
close

Email a Friend

‘No one ever said, I can’t wait to go banking today’: Bank of America’s Hari Gopalkrishnan

Hari Gopalkrishnan is the Client Facing Platforms Technology executive for Bank of America Merrill. He’s responsible for leading the development of the next generation of integrated technology solutions for the company’s consumer and wealth management client-facing channels. He also manages the bank’s websites and e-commerce initiatives.

Hari joins me on the podcast to talk about Erica — the firm’s AI-driven virtual financial assistant. We talk about where it’s come from and where it’s headed — with an insightful look on how customers used it during the past year. Hari also describes some of the important customer-facing initiatives Bank of America has underway.

Profile

Robinhood is an online stock brokerage that offers its customers commission free trading and investing. Robinhood users can invest and trade in stocks, exchange traded funds, options, and cryptocurrency. Customers can invest in over 5,000 stocks with Robinhood, including most U.S. equities and ETFs listed on U.S. exchanges.

Robinhood Financial, LLC and Robinhood Crypto, LLC are wholly-owned subsidiaries of Robinhood Markets, Inc. All cryptocurrency holdings are held in Robinhood Crypto as opposed to Robinhood Financial.

The company was founded in 2013 by Stanford roommates Baiju Bhatt and Vladimir Tenev. It has its headquarters in Menlo Park California and offices in the U.S and the UK.

Account Types

Robinhood’s products are accessible through its three different accounts: Robinhood Instant, Robinhood Gold and Robinhood Cash.

Robinhood Instant

Robinhood Instant is the default Robinhood account which is a margin account that has access to extended hours trading and instant deposits. Robinhood Instant account users do not have to wait for funds to process while selling stocks or depositing up to $1000.

Robinhood Gold

Robinhood Gold comprises a range of investing tools and premium products such as greater instant deposits starting at $5000 to a max of $50k, research from Morningstar on 1700 stocks, Level II Market Data from Nasdaq and more access to trading on margin. It has greater buying power and larger instant deposits as compared to the Robinhood Instant account.


This content is available exclusively to Tearsheet Outlier members.

\"Tearsheet Missing out? Subscribe today and you\’ll receive unlimited access to all Tearsheet content, original research, exclusive webinars and events, member-only newsletters from Tearsheet editors and reporters and much more. Join Outlier now — only $49/mo. Already an Outlier member? Sign in to your account

0 comments on “‘No one ever said, I can’t wait to go banking today’: Bank of America’s Hari Gopalkrishnan”

Podcasts

‘Everything else is just digital, digital, digital’: Wells Fargo’s Ulrike Guigui on enterprise payments trends

  • New rails and changing customer demands are challenging enterprise payments players.
  • At Money 20/20, we sat with Wells Fargo's Ulrike Guigui, head of enterprise payments strategy, to discuss where the industry and her firm are headed.
Zachary Miller | November 28, 2022
Where Credit's Due Podcast

Where Credit’s Due Ep.13: The growing popularity of virtual cards, with Deserve and M1

  • Plastic is making way for virtual when it comes to card technology.
  • Host Iulia Ciutina speaks to two experts on the future of virtual cards, both in and out of the financial industry.
Iulia Ciutina | November 23, 2022
Podcasts

Steez Podcast #1: What financial services has learned so far trying to capture, delight, and retain the hearts and minds of today’s youth

  • Understanding what makes Gen Z tick is imperative for financial services firms in positioning themselves for future success.
  • With a series of 3 interviews, Tearsheet's Steez Podcast explores how this generation is already impacting banking, investing, and payments.
Tearsheet Editors | November 23, 2022
Payments, Power of Payments Podcast

Power of Payments Ep. 18: Chase disrupting rent payments, MoneyGram’s crypto expansion, and more

  • This week, we discuss why JPMorgan Chase is launching a digital rent payment solution, and how Americans plan to use more flexible payments this holiday season.
  • We also talk about MoneyGram’s recent crypto expansion, and the potential role of digital currencies in the remittance industry.
Ismail Umar | November 18, 2022
Podcasts

‘For each card issuing module we roll out, we should have a unique right to win’: Lithic’s Bo Jiang

  • Card issuing platform Lithic began as Privacy.com, which offers virtual payment cards to consumers.
  • Co-founder and CEO Bo Jiang joins us on the podcast to discuss the benefits of running a B2B and B2C platform in parallel.
Zachary Miller | November 14, 2022
More Articles