In this podcast, Misha Esipov, CEO & Co-Founder, Nova Credit, talks about founding a cross-border credit bureau that moves an individual's credit history around the world. Misha, a Russian native, attended college at Stanford. He and his friends wanted to understand how foreign students could gain access to finance — and that challenge became his passion. The root cause of the problem is that when people arrive in the U.S. from another country, they lack credit and cannot typically access financial services and products. NovaCredit has changed this dynamic. Misha discusses how different countries report credit and how NovaCredit services its customers in the midst of that fragmentation.