Joe Bayen is CEO at Grow Credit. Over the past decade, Joe has specialized in underwriting, credit score improvement, user acquisition, and monetization.Grow Credit helps consumers establish or build credit using a MasterCard designed to exclusively process subscription payments. The platform enables consumers with thin credit or no credit files to seamlessly establish a credit history using a Netflix, Pandora, or Xbox live account.Joe previously founded at ICS Mobile Inc, the developer behind Free App A Day, a mobile application marketing platform with 12M users worldwide that was bootstrapped to $18.3M in total revenue. Notable clients included Disney, Electronic Arts, Groupon, and Kabam.Sponsors:Otter Labs www.hireotter.com- Hire great and inexpensive developer with staff augmentation through Otter.Redeeem www.redeeem.com- Redeeem is a decentralized peer-to-peer exchange that lets you save 15% or more on gift cards using Bitcoin and other cryptocurrencies.Learn more about your ad choices. Visit megaphone.fm/adchoices