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slash disclosures. Hi and welcome to the A16D podcast. I'm Lauren Murrow and today we're talking

about when fintech meets social. It's a trend that's evident on both ends of the spectrum,

whether that's people divulging their crushing levels of debt on Instagram and Twitter or bragging

about their credit scores and stock trades. In this hallway-style conversation with Fintech General Partner, Anish Acharya, and Darcy

Kuliken, a partner on the consumer tech team, we discuss why this holy grail of social plus

fintech is both so challenging and potentially so rewarding. We'll cover which products and

companies are taking advantage of it, how it's being driven by various subcultures online,

and why the shift

is happening now, which is where this conversation begins. The first voice you'll hear is a niche,

followed by Darcy. So the fact that people are actually talking publicly about their debt is a new

behavior. In the past, spending was public, but debt was private. And for the first time,

debt is starting to become a public

conversation. What's new is that this generation's living in a completely different

socioeconomic context. That's not flighty millennials and zoomers or whatever. That's a completely

different financial world that they're growing up in, and that's driving a different set of

conversations. You see certain categories that people are now talking about

that they didn't talk about before. Salary is something that a certain generation is much more

comfortable talking about. Student debt is a category that people are much more comfortable

talking about. Trading is a category that people are much more comfortable talking about. Across the

...