Welcome to the Tearsheet Podcast. I'm Zack Miller. It’s been a while since we caught up with Deserve, the credit card as a service pureplay. Over the past year, the company has grown and last month, signed a partnership with modern issuer Marqeta. Kalpesh Kapadia joins me on the podcast to talk about where Deserve has come from and where' it's headed. We discuss how the tie up with Marqeta can unlock new use cases for credit cards that we wouldn't have thought possible in the past. Kalpesh also describes how his personal experience as a new student in the U.S. informed founding and launching his fintech firm. Kalpesh Kapadia is my guest today on the Tearsheet Podcast.