The Sunday Times’ tech correspondent brings on Nichole Mustard, co-founder of fintech unicorn Credit Karma, to talk about credit scores as a means to an end (2:20), the evolution of the credit score (4:45) how she ended up starting Credit Karma in 2007 (10:40), studying zoology at uni (12:35), buying a one-way ticket to California (13:35), working at Pizza Hut (14:50), leaving pizza for financial planning (16:30), starting Credit Karma on the cusp of the financial crisis (18:20), and the opportunity created by the Great Recession (24:25), building trust but also collecting bounties (26:50), the virtualisation of finance (29:50), how personal finance will become more like self-driving clike (32:50), the road to a stock-market float (37:05), and her worst day of work (41:15),

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