This episode includes an interview with Nico Esteves, VP of Engineering of mobile banking startup Osper. Osper is mobile banking built just for families, with tools for young people to learn how to manage their finances. Parents can set up allowances for their kids, control online spending, and get notifications for failed transactions or insufficient funds. Children can check their balance, learn how to save responsibility, and transfer money to family and friends. Nico shares his insights on the future of mobile banking, how he got into the space, and the security services that allow Osper to grow and succeed.