Serving the underbanked

[11:25] Why saving small amounts of money, in an automatic way, can be the bedrock of financial health.

[16:10] How Wagestream's "Save the penny" concept has broken down the barrier for hourly workers to save money through earned-wage access.

[17:25] The psychology of credit scores among near- and sub-prime customers.

[23:00] Why main-stream banks have chosen to ignore these customers and how fintechs can fill that need.

[25:05] The reputational stigma associated with sub-prime lending.

[27:30] The role of regulators and how they legitimize fintechs while building necessary guardrails.

[34:16] How to build on a core wedge product with additional services