Entrepreneur, leading technology professional, and Chief Growth Officer of GoPay Valerie Wagoner joins us in this week’s episode to talk about how AI is transforming various subsectors of financial services. With over two decades of experience in not just products, but tech company launches, Valerie emphasized the importance of building trust with consumers and staying true to the product experience even as data drives the decision-making process. In the first half of an eye-opening conversation, Valerie details her work at Credit Karma and how the company successfully unpacked the “black-box” that is central to the life of every American consumer: their credit score. Valerie then discusses the main theme of the age of relevance in the context of digital wallets and payments, which is that less choice = more value. The key to retaining users for all digital service providers, whether in retail or finance, is good, relevant suggestions. We ended this intriguing exchange of ideas with Valerie's thoughts on some of the big changes she believes or hopes that AI will bring to the future of not just bits, but atoms businesses as well.