This is the second time I've sat down with Karen Mills for a conversation on Barefoot Innovation. Karen is a Senior Fellow at both the Harvard Business School and Harvard Kennedy School (where I got to know her), and previously was the head of the US Small Business Administration. She is also probably the foremost expert, and most eloquent voice, anywhere, on using technology to strengthen small business. We got together, on a very rainy day on the Harvard campus, shortly after Karen published her newest book, Fintech, Small Business, and the American Dream. It's the most definitive and thought-provoking work I have seen on today's historic opportunity to develop a vastly better financial world for small businesses. Karen believes, as do I, that we are at a transformative moment.

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