Ryan is a Co-Founder and a Managing Partner of Restive Ventures. He has spent the last 15 years identifying, supporting and leading market-changing innovations in technology. Since 2015, he's invested in over 60 early-stage fintech firms, which have grown to serve millions of consumers and small businesses and resulted in numerous acquisitions and one public listing. Prior to founding Restive, Ryan led the development of the Financial Solutions Lab, a partnership between JPMorgan Chase and the Financial Health Network. Before managing the Lab, Ryan worked with leading tech firms to develop payment solutions at Silicon Valley Bank. He also served as Strategy Group Lead at Enclude Solutions, overseeing global strategy consulting work around mobile financial products.

Kenneth “Ken” Lin is the founder of Credit Karma, a company he grew from a small team of three people to over 2,000 employees on a mission to champion financial progress for all. Ken started Credit Karma in 2007 to offer free credit scores and bring transparency and simplicity to the credit industry – an industry traditionally built to serve banks, not consumers. Today, Credit Karma serves more than 120 million people in the U.S., Canada, and the UK. It continues to use technology to bridge the gap between consumers and financial institutions by providing free, consumer-first products designed to help people manage their full financial lives — everything from managing and paying down debt to building savings and eventually buying a home. Ken spent his early career working with mission-driven businesses like Upromise and Eloan. He was inspired to build Credit Karma with a unique business model that creates genuine, organic value by reducing marketing inefficiency for banks and empowering consumers with information. He has won numerous awards including the Ernst & Young Entrepreneur of the Year award and the 2019 Apex Youth Inspiration Award, and has been a featured speaker at prominent conferences like Money 20/20 2018 and RISE Hong Kong. Ken has a Bachelor of Arts in mathematics and economics from Boston University and was selected to join the Aspen Institute Henry Crown Fellows in 2018.