Serge Beck, the founder and CEO of Omniwire, is driven by his belief that people deserve robust and secure financial services. getty For decades, the path to credit was simple: Use a credit card, borrow money—typically through credit cards— and repay it over time. That was how consumers showed their trustworthiness. But today, that model no longer fits how millions manage their money. It excludes those who can’t or won’t borrow, despite being financially responsible.