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Ram Palaniappan CEO/Founder Earnin Ram is a financial tech entrepreneur whose mission is to create products that make money work better for everyone. At his first company, Ram began helping his employees by writing them personal checks when they needed money before payday. This hack to bring flexibility to rigid paychecks laid the foundation for Ram’s next venture, Earnin, which aims to reinvent the way people get paid and liberate the over $1 trillion held up every two weeks in the payroll system. Using the app, people are able to access a portion of the wages they’ve earned anytime they want, without waiting for payday. Earnin currently helps people from more than 25,000 companies access wages that would have otherwise been held up in the pay cycle. Ram holds an MMS from the Birla Institute of Technology and Science and an MBA from Purdue University’s Krannert School of Management.

Pemo Theodore

Pemo is a Media Publisher & Event Producer. She is CoFounder/CEO Silicon Valley TV She is the Executive Producer of FinTech Silicon Valley & organizes Bay Area FinTech meetup: Silicon Valley FinTech meetup & Blockchain Music meetup with almost 3k members. She has produced in the past Smart Money Silicon Valley; NoPanels & PitchPerfect Silicon Valley She video interviews venture capitalists & angel investors & FinTech experts. She partners with videographers to cover San Francisco Bay area startup conferences & meetups with livestreaming, video & foto packages Silicon Valley TV She is based in Silicon Valley & has been involved in online business for 14 years. She has been in small business for 46 years in Ireland, London, Canada & Australia. She also published a free ebook (the findings of 1 year research from VCs, angels & women founders) “Why are Women Funded Less than Men? a crowdsourced conversation” She was TheNextWomen‘s most prolific contributor of 2011. Silicon Valley TV has been noted as a platform for supporting high growth women led companies in Huffington Post

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