Deserve’s mission is to use machine learning to create more equitable credit products for young adults. The company started as SelfScore, working with international students to assess their credit. Since it became Deserve, the company has developed a credit card for college students and young adults who would be ineligible or higher-risk under the traditional credit-scoring system. It predicts a user's ability to pay back any expenditures by considering his or her schooling, earning potential, and the like. Last year, Deserve added a mobile financial management app with financial education tools and videos as well as an incentives program featuring products and services from Amazon, Mastercard, and T-Mobile, among others. College students at 1,800 universities in every U.S. state have a Deserve card, as the company seeks to serve the 40 million college students in the country.