Episode 129
Rukayyat Modupe Kolawole on the Behaviour and Culture Behind Wealth Management – Fintech Garden
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Episode 129: Rukayyat Modupe Kolawole on the Behaviour and Culture Behind Wealth Management
In this episode, hosts Igor Tomych and Dumitru Condrea engage in a riveting conversation with Rukayyat Modupe Kolawole, founder of PaceUP, to discuss how wealth management is being transformed through empathy, behavioral science, and artificial intelligence. She explains why financial tools of the future must recognize users as emotional, cultural, and social beings, not just data points.
Key Insights from the Conversation
- Finance Is Emotional: Most investment tools ignore the psychology behind financial behavior. This episode explores how emotional intelligence can help people make better long-term decisions.
- Cultural Context Matters: A “universal” financial product rarely works. Wealth, risk, and trust are culturally shaped, and fintech must learn to adapt.
- AI as a Bridge, Not a Replacement: Instead of replacing advisors, AI can amplify their empathy and precision by personalizing advice at scale.
- Financial Inclusion through Design: Democratizing access to financial guidance isn’t charity, it’s good business. Personalized AI lowers the barrier for millions left out of traditional wealth management.
- The Human-AI Partnership: True innovation lies in harmony, where automation supports, but humans lead with empathy and understanding.
- Behavioral Science as Infrastructure: The next fintech revolution won’t be built only on code or capital, but on understanding human motivation.
The Future of WealthTech #
This conversation paints a vision of financial systems that feel more human, inclusive, and emotionally aware, where algorithms adapt to people, not the other way around.
Why Listen #
If you’re building or investing in fintech products focused on financial planning, inclusion, or AI personalization, this episode offers a masterclass in how empathy and design thinking can transform the industry.
Guest Appearing in this Episode
Rukayyat Modupe Kolawole
WealthTech Founder CEO @ PACEUPinvest
I am Rukayyat – a golf enthusiast, proud mother, and founder of a wealth tech company dedicated to breaking barriers and reshaping financial empowerment. My goal is to help people take control of their finances, build and grow wealth faster and securely according to their unique needs and circumstances, and achieve financial independence. We make financial well being accessible to everyone, ensuring wealth is not a privilege but a right. With more than 18 years of experience in investment banking, investment management, and capital markets, I have managed billions in assets and generated profits through investment portfolios for both individuals and corporations at GS and BMCE International in London and New York. Despite my extensive career in high finance, I almost found myself excluded from the world of wealth-building—proof that systemic barriers are far too real for women and underrepresented groups. A financial advisor rejected my mortgage application due to my gender and race, calling me “too risky.” That moment was a wake-up call. I moved my money to another bank where I was approved—showing the true power of taking control of your finances. This experience ignited my mission to empower others through financial literacy and wealth-building. Wealth isn’t just a tool; it’s the foundation for resilience. PaceUP Invest isn’t just about managing wealth; it’s about rewriting the rules to include everyone in the financial success story. At PaceUP Invest, we provide comprehensive financial literacy, wealth-building, and management solutions for both B2B and B2C clients. We combine cutting-edge technology with expert human insight to offer a hyper-personalised and affordable service. Our approach incorporates principles from behavioural finance and economics. For our B2B clients, our solutions seamlessly integrate into existing systems, enabling businesses to offer modern, tailored financial services that resonate with today’s diverse client needs. Real results: Some clients have achieved 75% portfolio growth in just 2 years Some partners saw 30% higher customer satisfaction and 25% lower advisor workload. At PaceUP Invest, we don’t just manage wealth; we create a path for financial independence that’s accessible to all. Wealth isn’t just for the few—it’s your right.
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