🚀 Fintech Interview with Benjamin Albert
Founder of Qwik 🎤

👋 What do you do?

I’m Benjamin, Founder of Qwik—we help students bank and build credit in the U.S., making financial independence easier for young people. 🏦💳

Many international students and young adults arrive without access to credit—Qwik changes that! 🚀

💳 The Qwik Card: How It Works

• Fund & Spend: Students deposit money, setting their credit limit
• Credit Building: On-time payments reported to bureaus to boost scores 📈
• Cashback Rewards: Earn as you spend 💰🎉

Goal: Cultivate healthy financial habits while unlocking credit access.

🔮 Focus for 2025: Growth, Growth, Growth!

• Launch in one month—priority #1: traction & user onboarding
• 2025 target: Thousands of active student users
• Strategy:
  • Engagement-driven marketing
  • University partnerships
  • Fun, simple, rewarding UX

💡 Key Fintech Insight: Narrative + UX = Success

Fintech apps that marry storytelling with intuitive design win:

• Fun & engaging: Banking shouldn’t feel like homework
• Gamification & rewards: Keep Gen Z hooked
• Sleek, frictionless UI: Make finance feel like social media, not a spreadsheet

🎓 Personal Origin Story

“When I first moved to the U.S., I couldn’t even get a car—or rent an apartment—because I had no credit history.”
My mission with Qwik: Give students the tools I wished I had.

🤖 AI’s Role at Qwik: Education Over Automation

• Smart Budgeting & Spending Plans: Real-time insights to teach money management
• Ask Bailey: Our AI chatbot that answers questions about spending, budgeting, and savings

AI isn’t just about automating tasks—it’s about building lifelong financial habits.

#Fintech #DigitalBanking #BankingInnovation #FinancialInclusion #CreditBuilding

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