In this episode of "Investing in Integrity", Ross Overline has an enlightening conversation with Wole Coaxum, an incredibly thoughtful leader, and visionary entrepreneur. Wole is the Founder and CEO of MoCaFi, a financial technology company committed to helping America’s marginalized communities create wealth through better access to public, private, and social capital. Wole starts by sharing his background as he began his career at Commercial Credit in Baltimore, which evolved into Citigroup, where he gained exposure to the world of finance. However, after the tragic death of Michael Brown in 2014, Wole was inspired to shift his career toward addressing economic injustice and helping more underserved people thrive economically. Leaving a secure position at JPMorgan, Wole embarked on an entrepreneurial journey and launched MoCaFi. Wole shares the importance of diverse educational experience and critical thinking as he benefited from various learning methods like the Socratic method, the Harkness table, and the tutorial system at Oxford, which provided him with a solid basis in logical reasoning and effective communication, skills that are vital in any career. MoCaFi's mission focuses on expanding access to financial and social capital, striving to place people on a wealth-building path regardless of their historical starting points. The company has reimagined traditional banking products to serve underbanked communities better. For example, MoCaFi offers a demand deposit account that doesn't require credit checks or a standard banking history. Also, they are working on including rent and utility payments in credit reporting to help customers build credit scores. As the conversation draws to a close, Wole shares some of the challenges he faces with MoCaFi's business model, the customers, and investors as a founder. He also explains how innovating within the sector to serve the underbanked requires a break from traditional models and demystifies some of the most common misconceptions about those underbanked individuals and businesses.