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Miguel Armaza sits down with Jason Gross, Co-Founder and CEO of Petal, a new kind of credit card company that has pioneered the Cash Score \u2013 an alternative measure of creditworthiness based on income, savings and spending history \u2013 to make credit more accessible.\n\nFounded in 2016, the company has raised over 100 million equity and close to 500 million in debt from industry leaders including Valar ventures, Third Prime, Afore Capital, Story Ventures, and Jefferies.\n\nWe discussed:\n- Jason\u2019s non-traditional startup founder background\n- The story and inspiration behind Petal \n- Taking the company from 0 to 1\n- The state of consumer credit and open banking and what has changed over the last five years since launching Petal\n- Why Petal has actively collaborated with the US regulator and why Jason considers this extremely important\n- Founder advice\n- And a lot more!\n\nJason Gross\n\nJason Gross (@jasonbgross) is the CEO and co-founder of Petal, a New York-based fintech company on a mission to make credit honest, simple, and accessible. Jason has served as a member of the Consumer Financial Protection Bureau\u2019s Consumer Advisory Board, and as a guest lecturer on topics ranging from financial inclusion to A.I. and machine learning in financial services. Previously, Jason practiced law, representing leading technology firms and financial services companies. He holds a JD from Harvard Law School.\n\nAbout Petal\n\nPetal is a new kind of credit card company founded to help people financially succeed (http://www.petalcard.com). Petal utilizes the CashScore to make credit more accessible, especially for people just starting out with credit. Petal offers a simple, modern digital experience that encourages members to build credit, avoid debt, and spend responsibly. Petal is located in New York, NY, and Richmond, VA. Petal credit cards are issued by WebBank, Member FDIC.\n\nFor more FinTech insights, follow us below:\n\nMedium: medium.com/wharton-fintech\n\nWFT Twitter: twitter.com/whartonfintech\n\nMiguel's Twitter: twitter.com/MiguelArmaza\n\nMiguel's Substack: https://bit.ly/3jWIpqp