I'm Smit. I'm a product manager at JP Morgan Chase in New York, and this is a small corner of the internet I keep for myself.

I came to the United States as an immigrant, and a lot of what I care about now was shaped by what I noticed early on — how much harder the financial system is for people arriving without a credit history, without a safety net, without someone to call. The small everyday frictions of banking, which most people never have to think about, were the first things I saw up close. I think that's where the thread of my work really starts.