”コンテンツ”が現代の起業家にとって不可欠になっている理由 Karat 共同創業社 CEO エリック・ウェイ氏インタビュー 【OT in the US】 #4

In this episode, Marcelo Lebre interviews Eric, the co-founder of Karat, a financial services company catering to creators. Eric discusses the challenges creators face in accessing traditional banking services due to the outdated FICO scoring system, which doesn't account for the unique income streams of online content creators. Karat aims to bridge this gap by understanding creators as legitimate businesses, offering credit cards and banking services based on social stats and financial data, while partnering with traditional banks and taking on the associated risks. The conversation also explores the evolution of the creator economy, the increasing importance of short-form content, and the future plans for Karat, including expanding into mortgages, AI-driven financial advice, and faster brand deal payments. The episode concludes with a discussion on the Japanese manga industry and its parallels with the creator economy.