The Future of Personal Finance: How AI Will Change Credit, Advice, and Access with Experian’s Dacy Yee
Everyone's Talkin' Money
Shari Rash
4.2 • 648 Ratings
🗓️ 12 March 2026
⏱️ 34 minutes
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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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