Charles Garrett

Prices are no longer fixed numbers on a paper price tag. They are set by algorithms optimized to your disadvantage. Surge pricing, surveillance pricing, and near-zero interest rates on savings accounts aren't accidents; they're products of systems designed to find exactly what you'll pay and keep you from demanding more. What does it look like when technology works for you instead? Big-tech algorithms know your habits, your location, even your battery level. This talk challenges you to start playing offense with financial algorithms that work on your behalf.  Drawing on the founding insight behind Peerfolio, this session walks through the access gap that keeps sophisticated financial technology out of most people's hands, and why the current regulatory moment is the inflection point that changes it.