Kalpesh Kapadia’s career spans 20+ years in the US and Asia, primarily in technology and finance. He came to the US 24 years ago as a young student and struggled to establish his credit profile. In 2013, Kalpesh co-founded Deserve, an AI machine learning-based fintech that is helping the next generation of millennials and Gen Z's gain financial independence through fair access to credit products. Prior to co-founding Deserve, he was one of the foremost analysts/investors in Wall Street’s tech sector. In 2004 he was ranked the #1 analyst in the US across all sectors by the venerable Wall Street Journal. In 2005 he founded Equanum Capital and successfully managed it through 2012. In ’07 and ’09, Equanum Funds were one of the best-managed global equity funds in Barrons.com and Asiahedge rankings. He earned an MBA from the Tepper School of Business at Carnegie Mellon University where he serves on the alumni board and as a proud member of the W.L. Mellon Society. He also holds an MS in Industrial Engineering and Operations Research from the New Jersey Institute of Technology. His personal and charitable interests focus on empowerment and upliftment through higher education. Kalpesh is a member/supporter of organizations such as Cato Institute, Santa Fe Institute, Foundation for Excellence and American Himalayan Foundation. He is also a member of Bay Area chapters of Commonwealth Club and the Churchill Club.