Jimmy Chen, CEO of Propel, develops tech solutions for low-income families, including the FreshEBT app. Matt Flannery, co-founder of Branch, transitioned from nonprofit work to AI-driven lending for developing countries. Ram Palaniappan, CEO of Earnin, innovates on-demand wage access. The conversation dives into how fintech is reshaping financial services, tackling food stamp inefficiencies, and addressing lending challenges through alternative data. These transformative ideas highlight how democratizing finance can empower individuals and reshape the industry.