Scott Kazmierowicz

Scott Kazmierowicz is the co-founder and CEO of Cardless, a San Francisco fintech rebuilding the credit card from the brand outward. Started in March 2019 after a Christmas Eve napkin session in a Bryant Park Whole Foods, Cardless lets companies like Coinbase, Bilt, Qatar Airways and Alibaba launch and run their own co-branded credit programs without the legacy bank in the middle. A Stanford computer science grad who passed through Goldman Sachs and Allen & Company before turning founder, Kazmierowicz frames the work as a design problem as much as a finance one: make credit products that are useful, fair and respectful of a person's dignity. By 2025 the company had raised more than $170 million and was growing card transaction volume 400% year over year.