Bay Area startup addresses gender, racial disparities by helping educate women on finance

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When it comes to finances, the playing field may not be equal for men and women. The disparities are even greater for minorities. Now, one Bay Area startup is hoping to level the playing field.

"Growing up, I really watched my mother in particular really struggle with the U.S. financial system and not feel confident," said Gupta.

It in part, drove her decision to work in finance, developing and launching credit cards until she had a wake-up call experience. "I was rejected from the credit card that I helped build," Gupta explained. "I felt just as helpless as my immigrant mother felt in the financial system and I did not want to feel that way," she continued.Data analysis of Federal Reserve Studies on Household Economics and Decision-Making from 2019 to 2021Gupta says women are more likely than men to have authorized user accounts make up the bulk of their credit history, which may explain the difference.

Sequin membership includes access to financial education courses. "As we speak to young women, disproportionally, what we hear was I was never taught about finances and I always felt the guys knew something that I didn't, and that's what we are trying to make sure we do not hear anymore," said Gupta.Sequin also offers savings on women-focused brands fighting the pink tax, women paying more for the same or similar products and services than men.

While the debit card is geared towards women, Gupta says Sequin welcomes anyone regardless of gender identity.

 

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