This space is dedicated to my passion for fairness and consumer financial wellness.
Here I share my thoughts on payments and lending, accented by my life experience, products that enhance customers' choice and control.

Who should have access to our financial data?

What if we own personal financial data on blockchain and get royalty via smart contract every time a third party monetizes our data?

Can Unbanked Population Access Cryptocurrencies?

Most crypto wallets require customers to use cards or bank transfer to fund a wallet. What about the unbanked and underbanked population?

Blockchain- Sending Money to Anyone, Anywhere

Money transfer that is either free extremely low cost and takes seconds to reach your account, not days or weeks, from anywhere in the world

What if your loan payment adjusts with income?

Can borrowed funds be paid off as a percentage of income? It takes away stress of fixed monthly payment when incomes are volatile.

Is in person service dead?

We should reimagine bank branches as service center for complex tranxs. Getting the formula right will create higher customer retention.

Mobile payment for the unbanked

A mobile payment option that does not require access to banking, payments cards, smart phone or Wi-Fi

Free the data from banking core

Unlocking the data out of the core banking system will help FIs to be more innovative, deliver better UX and compete with emerging threats

Financial Super App for Underbanked

Imagine a super app, an "Amazon of Financial Services" for the underbanked segment. No more payday lender, no money order for bill payment

What if we reimagine credit card?

What if we reimagine credit card without all the gotchas and with consumer control, transparency and installment loan like features in mind?

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