Kalpesh Kapadia’s career spans 20+ years in the US and Asia, primarily in technology and finance. He came to the US over 20 years ago as a young student and struggled to establish his credit profile. In 2013, Kalpesh co-founded Deserve, an AI machine learning-based Fintech that is helping the next generation of millennials and Gen Z’s gain financial independence through fair access to credit products. Prior to co-founding Deserve. He was one of the foremost analyst/investors in Wall Street’s tech sector.