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Everyone's Talkin' Money

The Future of Personal Finance: How AI Will Change Credit, Advice, and Access with Experian’s Dacy Yee

Everyone's Talkin' Money

Shari Rash

Self-improvement, Business, Health & Fitness, Mental Health, Education

4.2648 Ratings

🗓️ 12 March 2026

⏱️ 34 minutes

🧾️ Download transcript

Summary

What will personal finance actually look like five years from now? Will we all have AI money assistants? Will financial advisors still exist? And could technology finally make managing money easier instead of more overwhelming? In this episode, Shari Rash sits down with Dacy Yee, President of Experian Consumer Services, to talk about how technology is transforming the financial world—and what it means for everyday people trying to make smarter decisions with their money. Dacy shares her unexpected career journey from law school to leading one of the largest consumer finance platforms in the world, why many careers (including hers) take unexpected turns, and the advice that helped her move into executive leadership. The conversation also dives into how technology, AI, and automation could remove many of the barriers that have historically kept people out of financial conversations—from fear of asking “dumb questions” to the belief that you need a lot of money before you deserve advice. You’ll hear how tools like Experian’s new “Big Financial Friend” initiative aim to make personal finance more approachable, how AI could act as a financial co-pilot that helps you make better decisions automatically, and why the future of finance might actually feel more human—not less. Shari and Dacy also talk about women in finance, the importance of speaking up about your career goals, and why the advice “declare what you want” can change the trajectory of your career. This episode will leave you thinking differently about where technology is taking our financial lives—and how you can use it to your advantage. You’ll hear: Why many careers in finance happen by accident rather than design How AI and technology will change personal finance in the next five years Why access and personalization will define the future of financial advice How tools like Experian’s virtual assistant help remove shame and barriers around money The career advice that helped Dacy move into executive leadership What a “life credit report” might actually measure If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don’t necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

What if managing your money didn't feel like another job you had to do?

0:04.2

What if the boring parts of personal finance, shopping insurance rates, monitoring your credit,

0:10.4

figuring out whether you're making the right decisions could just happen in the background of your life.

0:15.7

Because let's be honest, most people aren't avoiding finances because they're lazy.

0:20.5

They're avoiding them because they're overwhelmed. Or they feel like they should already know the answers, or they had one bad experience asking for help and decided, you know what? I'll just deal with this later. And later turns into years. But we're at a really interesting moment right now in the world of money and technology.

0:40.2

For the first time, the tools are starting to catch up with the reality of how people actually live their lives.

0:47.2

Technology is getting better at personalization.

0:50.3

It's getting better at meeting people where they are.

0:53.0

And it's starting to remove some of the biggest

0:55.6

barriers that kept people out of financial conversations in the first place, things like shame,

1:01.9

intimidation, and the idea that you have to have a lot of money before you deserve advice.

1:07.0

So today, we're talking about where personal finance is heading next. My guest is

1:13.2

Dacey Ye, president of Experian Consumer Services. If you've ever checked your credit score,

1:20.0

monitored your credit report, or use tools that help you understand your financial

1:24.5

standing, chances are you've interacted with something Experian has built.

1:29.4

Daisy has a fascinating career journey, going from law school thinking she'd work in children's

1:35.1

advocacy to eventually leading one of the largest consumer financial platforms in the country.

1:41.3

Along the way, she's helped shape products by using millions of people and has been

1:46.0

part of a massive shift in how technology and finance intersect. In this conversation, we talk about

1:52.2

the future of personal finance, how AI and automation are going to change the way we manage our

1:58.3

money, and why technology might actually make money feel

2:01.7

more human, not less. We talk about career pivots, speaking up about what you want in your career,

...

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