As more challenger banks launch, we’re seeing the emergence of more and more niche offerings, serving a subset of users with distinct needs. Oxygen Bank, a challenger based in San Francisco, recognized that freelancers aren’t being served well. These people don’t identify as businesses and yet they are in business. Founder and CEO of Oxygen (https://oxygen.us/), Hussein Ahmed is one of the hardest working fintech CEOs. He joins us on the podcast to talk about why Osygen essentially merged a business account with a personal account to serve this demographic. He talks about building and scaling a startup using talent across geographic boundaries and what his plans are next for the upstart banking product. Hussein Ahmed is my guest today on the Tearsheet Podcast.