Jason Wilk

And I was sort of a victim of that.

So I figured if I could be persistent, build a digital first neobank that didn't rely on bank branches, build all the tech stack ourselves, you could build this highly scalable platform that would save customers millions of dollars on fees.

And that's just how the business was built through, again, perseverance and solving a personal pain point.

That's right.

I had no experience in banking or FinTech.

That was all brand new to me.

And even if you look back and when we built Dave, so much of the underlying technologies that we're using today didn't exist.

Bank partnerships, debit card processing, ECH processing for small dollar lending really wasn't a thing.

We had to go convince the banks to work with us, have to convince all the processors to work with us.

We really had to invent this category and

I think if you're just really passionate about something, you can learn anything.

And you think about people get MBAs and two years of school, but that's a couple hours a day of classes.

If you're a dedicated entrepreneur willing to work seven days a week, you can learn a lot pretty quickly.

And so we made a lot of mistakes in the first part of the business as well, but it's such an amazing way to just kind of throw yourself in and learn by doing.

And

you know, here we are today disrupting a major industry with a guy that had no experience.

So anyone can do it.

That's right.

I think going back to my first real business, my college business was the little sports company, but it wasn't until I got into Y Combinator for my second company where I was building a company, raising capital, meeting investors like Mark Cuban to really build a real business.

And you just learn so much about the processes to go doing that hiring, firing, raising capital.