In 2020, Varo Bank became the first and only consumer fintech to receive its own national bank charter, making it America’s first digital consumer bank. In part one of a two-part series, StoneTurn Partner Xavier Oustalniol sits down with Philippa Girling, Chief Risk Officer at Varo Bank, to discuss the company’s journey from fintech startup to pioneering digital bank, working with financial regulators, and how the bank’s mission to address financial inequality drives its development.