Startup Particular! Wharton’s Prime Fintech Startups with Gaby Campoverde, John Garner, and Nate Soffio | by Anirudh Singh | Wharton FinTech | Could, 2022


In at present’s particular episode, I’m joined by three of my classmates, Gaby Campoverde, John Garner, and Nate Soffio. Together with getting their MBA, Gaby, John, and Nate are additionally founders of wonderful fintech corporations.

We cowl a variety of subjects, together with:

Gaby Campoverde and Miren:
Gaby and Miren are on a mission to develop entry to financing capital for small enterprise homeowners throughout the U.S. They do that by empowering monetary establishments with knowledge and software program to optimize the mortgage consumption processes. Gaby grew up in Queens, New York, and felt the shortage of economic providers merchandise inside her group. After spending time as a product supervisor in monetary providers earlier than her MBA, Gaby determined to launch Miren whereas in class. The workforce is at present engaged on its MVP launch.
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John Garner and Card Curator:
In 2017, John deliberate a visit to Korea and Japan with a number of of his mates. After planning the journey, he utilized for the bank cards he wanted to fund the journey, spent 5 months incomes factors, and ultimately managed to fund the journey on factors and miles. The whole money worth per particular person was about $26K. On returning, John and his father (and present co-founder) thought by the success of this course of and determined to make a enterprise out of this mannequin. Card Curator not too long ago launched the brand new, free model of its app which serves primarily as a card advice instrument. Transferring ahead, John goals to license this function out to different fintech corporations. The corporate additionally has an extra product that enables customers to set their journey objectives, and learn to obtain these objectives.
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Nate Soffio and Portabl:
When transferring from New York to Pennsylvania, and updating every of his monetary providers functions alongside the way in which, Nate felt the ache level that many customers have relating to monetary id. Throughout this time, Nate additionally contemplated an increase in fragmentation of economic providers functions for U.S. customers, the rise of fraud, altering monetary providers rules, and an more and more messy relationship between id knowledge disclosure and monetary id. Noticing these tendencies in late 2020, he determined the time was ripe for Portabl. Nate and Portabl imagine that customers ought to be capable to personal a model of their monetary id and take it with them wherever they go. The corporate has not too long ago introduced the closure of its $2.5M pre-seed spherical.
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For these occupied with getting their MBA, the three additionally discuss their means to stability finishing the MBA program and constructing an organization on the identical time.


Gaby Campoverde:
Gabriela Ariana Campoverde is CEO and Founding father of Miren. She is at present an MBA candidate at The Wharton College and Masters in Laptop and Info Expertise at Penn Engineering. Previous to her graduate research she labored at a WPP company, American Specific and Goldman Sachs. She is captivated with constructing merchandise for working-class, immigrant communities throughout the US and is a proud New Yorker. She studied Artwork Historical past and Linguistics at Swarthmore Faculty.


John Garner:
John Garner is the CEO and co-founder of Card Curator, a bank card rewards optimization app. Previous to beginning Card Curator, John spent 5+ years as a volatility dealer for Merrill Lynch, and left his Wall Road job to comply with his actual ardour: bank card rewards and journey. John went on to invent the Card Curator algorithm known as CardArb, which nets its customers 5–10% or extra in rewards on their every day card spending. He’s an skilled in all issues associated to bank cards and free journey, and loves serving to others crack the code within the factors and miles sport with the Card Curator app. John holds a Bachelor of Arts in Economics and Psychology from Dartmouth Faculty, and a Grasp of Enterprise Administration from the Wharton College of the College of Pennsylvania.


Nate Soffio:
Nate is within the dwelling stretch of his MBA at Wharton, the place he serves as Co-President of Wharton Fintech. He spent 10 years constructing and launching identity-focused merchandise at startups within the US and within the UK/ EU, specializing within the know-your-customer (KYC) panorama and privacy-preserving adtech. Proper earlier than Wharton, he lead KYC at Arachnys, a QED portfolio firm, by its acquisition in 2020. In his spare time, he’s a long-distance bike owner and budding rock climber.


Concerning the Creator:
Anirudh Singh is a second-year MBA Candidate at The Wharton College, the place he’s a part of the Wharton FinTech Podcast workforce. He has a ardour for financial improvement, enterprise capital, monetary providers, and all issues FinTech. Don’t hesitate to succeed in out with questions, feedback, suggestions, and alternatives at

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