Capital One is such an iconic brand that it is hard to imagine a time before it. But when Nigel Morris co-founded the business in 1994, it was wildly innovative—from the products it introduced to the market (like secured credit cards) to a data-driven approach to customer segmentation to an emphasis on team culture. Today, Capital One is one of the largest retail banks in the United States, serving more than 100 million customers across a diverse set of businesses. Nigel's career didn't stop there: he went on to start QED Investors, a fintech venture capital platform that has invested in companies like Credit Karma, Nubank, and Klarna. Nigel shares why Capital One's early success came down to rapid execution, why restlessness is a positive trait for founders, and how one interesting use case of AI is powering one-to-one marketing.