Brad Stroh is the Co-CEO and Co-Founder of Achieve (formerly Bills.com), a digital personal finance platform that has helped over 1.5 million people and resolved billions of dollars in debt, as well as providing billions in loans. Brad has an extensive background in private equity and venture capital, with a focus on creating scalable financial solutions. In this episode, Matt and Brad discuss the regulatory challenges faced by fintech startups and how innovation and agility within organizations can pave the way for scalable growth. They also discuss emerging fintech trends, the role of AI and machine learning in personalizing customer experiences, and how to approach building a liability management platform. Key Takeaways: Next Gen of Fintech - Emerging fintech trends, including the role of AI and ML in personal finance Consumer Finance / Cost of Scale - Challenges and strategies of navigating regulatory processes Scaling for Adaptability- The importance of keeping innovation, efficiency, and agility top of mind as you scale Building a Successful Team - The importance of aligning team incentives, collaboration, and a customer-first focus Chapters 0:01        Achieve's journey: From founding to financial          empowerment 3:38       Bootstrapping success and navigating private equity challenges 8:24        Building a liability management platform for consumer debt 11:53       From idea to scale: building a fintech business 18:43      Navigating regulatory challenges and opportunities in fintech 28:10      Achieve's unique approach to consumer debt              management 36:37      Overcoming financial stress through empathy and digital tools 40:12       Fostering innovation and agility in large organizations 48:31       Balancing team harmony and performance in organizations   Link to Podcast Transcript