Posh AI is a fintech company that modernized banking with conversational virtual assistants, founded by Karan Kashyap and Matt McEachern at MIT in 2015, pivoting to AI in 2018. They leverage Twilio's Programmable Voice, SMS, and Media Streams to build their MVP product, rapidly scaling and iterating upon it. The company has seen significant growth, raising $32M in Series A funding, and has iterated on Twilio's APIs to improve customer experience, including using Media Streams for Voice Authentication. Posh AI aims to apply conversational automation to improve the negative stigma surrounding customer service in banking. Their journey as a startup has been marked by uncertainty and relentless effort, with Karan and Matt thriving on the challenge of building a product that captures large value in minimal time.