(Sequel here: Blockchain is not only crappy technology but a bad vision for the future.) Everyone says the blockchain, the technology underpinning cryptocurrencies such as bitcoin, is going to change EVERYTHING. And yet, after years of tireless effort and billions of dollars invested, nobody has actually come up with a…

Five years ago, my co-founder Claire McDonnell and I founded True Link Financial, and did two things that that were totally unorthodox for the time. First, we didn’t build a startup for teenagers. We built it for seniors. (We’re a financial services firm that offers debit and Visa cards and…

Today’s venture capitalists can’t get through a day without getting pitched on how AI and chatbots are revolutionizing customer experience. See below for the the brave new world we can come to expect from our banks, our phone carriers, our healthcare providers, and eventually, God forbid, the government. [[Coda: I…

Four years ago, financial institutions’ inability to help protect my grandma from fraud caused me to start the kind of bank I wanted my grandma to be able to bank at. Our first product, a debit card with extra security features, has already prevented millions of dollars in financial losses. …