In this NYSE Live interview from Money20/20 USA, Trevor Marshall, Co-Founder and CTO of Current, discusses how technology is helping reshape consumer banking while addressing the financial challenges faced by millions of Americans.

Marshall begins by outlining Current's mission to provide accessible financial tools for working consumers. The company focuses on helping customers improve financial stability through services designed around credit building, liquidity access, banking convenience, and financial wellness.

A significant portion of the discussion centers on economic realities facing consumers today. Rising living costs, food prices, fuel expenses, and inflation continue to impact household budgets, increasing demand for solutions that help individuals manage financial pressures more effectively.

The interview also explores Current's recent growth trajectory. Marshall attributes much of the company's momentum to its customer-centric approach and focus on delivering meaningful value through technology-driven banking products.
Another major theme is financial accessibility. Current serves a broad segment of consumers, including many workers in essential industries and service professions. Marshall explains that these customers often benefit from banking products designed specifically around their financial circumstances and goals.

The conversation further examines the company's proprietary technology platform. Rather than relying solely on established banking infrastructure, Current built key elements of its own technology stack, allowing it to create customized products and innovate more rapidly than traditional approaches may permit.

Artificial intelligence also plays a central role in the discussion. Marshall believes AI can transform financial services by enabling highly personalized recommendations, improving financial decision-making, and helping consumers better understand their spending patterns and opportunities.

The interview highlights emerging AI-driven capabilities that could help users negotiate bills, identify savings opportunities, access relevant products, and receive tailored financial guidance. According to Marshall, personalization at scale represents one of the most promising opportunities within fintech.

Additionally, the discussion explores how technology can improve customer engagement while helping financial institutions better understand and respond to individual needs.

Looking ahead, Current plans to continue expanding AI-enabled products and digital banking capabilities while maintaining a focus on financial access, credit-building tools, and personalized consumer experiences.

Throughout the discussion, Marshall shares perspectives on fintech, artificial intelligence, consumer banking, financial inclusion, credit building, digital payments, financial wellness, economic trends, and the future of personalized financial services.

Disclaimer: Informational content only. NYSE does not endorse or recommend investments, strategies, companies, products, or services discussed.