Joyce Kim: 6 million financial transactions for just 20 cents

Joyce Kim is the Executive Director of Stellar, a technology that enables money to move directly between people, companies and financial institutions as easily as email. Stellar sees financial access as not the final destination, but rather a necessary precondition for people to fulfill their other basic human needs, such as education, food, healthcare and safety.


Jennifer McCrea: Infusing money with values

Jennifer McCrea is a Senior Research Fellow at the Hauser Institute for Civil Society at Harvard University and the co-founder and CEO of Born Free Africa, an initiative of the Millennium Development Goals Health Alliance that brings private sector resources and expertise to the goal of eradicating mother-to-child transmission of HIV by 2015. For the past 27 years, she has partnered with philanthropists, board members and nonprofit leaders to think more creatively and collaboratively about ways in which to align strategic direction and resources.


Dan Schulman: Data Bank

Dan Schulman is group president, Enterprise Growth, for American Express, where he is responsible for the company’s global strategy to expand alternative mobile and online payment services, form new partnerships and build revenue streams beyond the traditional card and travel businesses. 

Prior to joining American Express in 2010, Schulman was CEO of Virgin Mobile and Priceline. Dan is trying to expand the brand to serve non-affluent customers who he says are paying too much for existing financial services. 

More: HBR article

Nicole Stubbs: Lending Data

Nicole Stubbs

Nicole Stubbs is CEO of First Access, which aims to reduce lending and borrowing costs across the developing world.

Using patent-pending cloud technology, First Access interacts with consumers and organizations via SMS and web in real-time, aggregating big data and producing customized, highly predictive recommendations about products and loan sizes. Better information translates to faster and more affordable financial services for more people.