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Ruth Hedges

CEO, Hedges Company

Ruth Hedges

Ruth Hedges

CEO, Hedges Company

Ruth is a leading expert on financial technologies and has worked to integrate them into modern finance with a focus on consumer protection.

Cited In 1 Article

Financial Technology (FinTech)

Is Fintech Democratizing Finance — or Just Giving More People Faster Access to Products That Still Don't Work in Their Favor?

Over 1.7 billion adults worldwide still lack access to basic financial services — and fintech promises to change that. But Kathryn Petralia, Ruth Hedges, and Michael Kitces debate whether these innovations are genuinely empowering underserved communities or just giving more people faster access to products that still don't work in their favor.

Jul 10, 2026