In this episode, Julien Guiot sits down with Ryan Graciano, Co-Founder and Head of Product at Credit Karma to discuss the story behind Credit Karma, exploring how the company disrupted personal finance by offering free credit scores and personalized financial insights. We dive into the challenges and opportunities of building trust in the finance sector, Credit Karma’s innovative approach to user-centric design, and their strategy for scaling a fintech business sustainably. Key questions include how to effectively balance user experience with data privacy and what future trends might shape personal financial management. Tune in for valuable insights into the evolution and future of fintech from one of the industry's pioneering companies.