Madan Chaukulkar

One question I’ve been thinking a lot about while building Koko: Most people already have multiple credit cards — but still feel unsure they’re using them correctly. I’m curious: 👉 What’s the most confusing part of managing your credit cards today? • Knowing which card to use? • Understanding rewards vs annual fees? • Tracking benefits you forget to use? • Or something else entirely? Koko is...

Koko started as a small side project while I was helping my son figure out which credit card to use for everyday purchases. I realized how confusing the credit card world actually is for a consumer — even for someone who works in tech. Most of us already have 3–6 cards, yet there’s no simple way to know which one gives you the best value in the moment. And most tools out there focus more on...