This episode includes an inteview with Tim Kimball, the VP of Engineering at UK startup Aire. Aire's mission is to bring more people into the financial system who would otherwise have a difficult time entering. Aire lowers the barrier to entry to financial services by enhancing credit scores and ensuring accuracy in credit modeling, thus helping to solve the financial inclusion problem. Tim talks about how he and his team got into the space, their experience with the FinTech accelerator, and how they hope to make significant change in the financial industry. After talking a bit about the business of being a financial services startup, we chat about the technical systems and processes that make Aire secure and successful.