People will always need banking, but now, more than ever, we're beginning to see that people don't necessarily need banks. Emerging apps such as PEI offer consumers opportunities to grow their finances outside of credit card companies.  In this episode, Dave Hollerith interviews Tom Bachar, Co-founder, and CEO of PEI to find out how they do it. Pei is a mobile card-linked cash-back app with banking functionalities that helps people save money. You basically link your existing debit or credit cards to the app and then when you make purchases at select merchants you get rewards in BTC or cash. The two dive into what PEI offers, how they make money and how they treat user data. Resources: Try the PEI app Another opinion (Doctor of Credit) Twitter: Tom Bachar (@ThetaDoenas) Dave Hollerith (@DsHollers) Sponsors: Celsius Network - Enter "BITCOINMAG" to get $10 off any deposit over $200 Etoro Haven - Get $5 in Bitcoin, Litecoin or Zcash DISCLAIMER: The following content is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained in this presentation constitutes a solicitation, recommendation, endorsement, or offer by BTC Media, The Let’s Talk Bitcoin Network, or any third party service provider to buy or sell any securities or other financial instruments.