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AIR's Vision & Mission

AIR envisions a future in which the financial system is fully inclusive, fair and highly resilient, enabled by responsible use of technology.

AIR ignites, accelerates and scales technology innovation in finance and financial regulation to make this bold vision real.

About AIR

AIR is a nonprofit, non-membership organization working to make the financial system fully inclusive, fair and resilient through responsible use of new technology. By connecting regulation, finance, technology and society, AIR drives global innovation and collaboration to overcome the system’s legacy shortcomings and prepare it for rapid technology change.

Financial regulation works as an invisible force shaping people’s lives. It aims to prevent mistreatment, bias, instability and corruption while ensuring that everyone has equal access and fair opportunity. Jo Ann Barefoot and David Ehrich founded AIR in 2019 to strengthen this force through new technology. AIR helps government and industry develop and scale up responsible innovation to solve systemic problems, including financial exclusion, race and gender discrimination, deceptive and predatory practices, climate change, economic instability, and financial crimes like human trafficking.

Guiding Principles

We BELIEVE in strong, effective regulation that protects consumers and fosters competitive, resilient financial markets.

WE BELIEVE in the responsible use of technology to improve the financial system for everyone.

WE BELIEVE in diversity and collaboration as essential to sound innovation.

WE BELIEVE in continuous learning and education to match rapid shifts in technology.

WE BELIEVE in leading change with transparency and integrity.

WE BELIEVE in boldly inventing the future of financial regulation, together.