Across the United States, there are 50 million people who have a bad credit score because of medical debt. That's just one of the many reasons Florian and his co-founder started Cedar in 2016. At Cedar, they are combining the best of fintech, healthcare, and consumer products into a unified platform that helps patients pay bills with ease. The company is valued at over $3 billion dollars and has helped over 12 million patients to date. Florian shares how he's overcome the slow velocity of the healthcare system, how he learned to show vulnerability as a leader, and why he believes M&A is undervalued by most startups.