Say hello to Tim Chong. He's the founder of Yonder, the next generation credit card company on a mission to make credit more inclusive, accessible, and rewarding. Instead of just offering you air miles, they invite modern explorers into a world of trending restaurants, breakthrough brands, and uplifting experiences with points that are not only easier to use but more enjoyable to spend.

Inspired by Neo banks like Monzo and Revolut, Yonder makes Amex look its age with tired UX, a slow app and lack of choice when it comes to cashing in your points - the value of which seems to continuously change. And while Amex might have once been a pioneer, enabling their audience to travel with their points, the idea of travel today goes far beyond just the once or twice a year holiday. It's a lifestyle and a mindset - restless, always exploring, never settling for less; a bit like their founder Tim.

Hailing from Australia, Tim is somewhat of an immersionist, yo-yoing between paths that were chosen for him and owning his own path, between established businesses like IBM in his early career, to scaleups like Clearscore further down the line, working in both tech and management consultancy. He even wanted to be a missionary at one point spending time working in development in places like Kenya. And while the core mission of the brand was about inclusion, giving more people access to credit, its core expression today is about experiences — reflecting the changing cultural attitudes of their audience. If Amex is the boomer of credit cards, Yonder is the millennial counterpoint.

In this episode we talk about Tim's journey around the world to London, his transition from 0-1 founder to modern day manager with 50+ employees and why today's millennials need a new credit card in their back-pocket. Tap in and enjoy.