CEO and Co-Founder
True Link
Kai Stinchcombe is founder and CEO of True Link, a company helping banks grow deposits, acquire customers, and build lasting loyalty by delivering purpose-built solutions for the whole family. With 250+ financial institutions served and an 80+ NPS, True Link’s platform supports youth and teens, protects older adults from fraud and scams, and helps families manage money together.
As CEO, Kai leads True Link's strategy and growth across its licensed-to-banks and its direct-to-consumer businesses, helping bank partners expand into underserved customer segments with proven, high-impact solutions. His background building data-driven financial products, combined with a conviction that banks can do more to protect and empower people with complex needs, led him to launch True Link.
Kai is a frequent speaker on financial services innovation and served on the President's Working Group on Aging and Technology under President Obama. He holds an M.A. from Stanford University and undergraduate degrees in History and Math & Computer Science from Colorado College.
Authorized Push Payment fraud—where criminals manipulate victims into willingly sending money—cost Americans over $8 billion in 2024. Unlike traditional fraud, customers authorize these transfers, creating a liability gray zone. The UK now mandates reimbursement for fraud victims (up to £85,000), and U.S. regulators are watching closely. Banks face a three-part challenge: detecting social engineering in real-time without blocking legitimate payments, determining liability when customers override warnings, and balancing protection with personal responsibility. This session examines behavioral analytics, friction-based interventions, effective customer education, and evolving liability frameworks.