Sheena Allen

Founder of Too.AI & Capway (Youngest Female U.S. Digital Bank Owner), Tech Innovator, Author

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Sheena Allen is an entrepreneur, author, speaker, and creative architect. She was born in Terry, MS, and graduated from the University of Southern Mississippi with a dual degree in Psychology (B.S.) and Film (B.A.).

In 2011, during her senior year in college, Sheena started her first tech company, Sheena Allen Apps, and bootstrapped the startup to generate millions of mobile app downloads. In 2019, she began executing her second tech startup, CapWay, which gave Sheena the title of the youngest female in America to own and operate a digital bank. The fintech company focuses on creating economic access and opportunities for all through inclusive financial products and services, including banking, content, payments, and more. Continuing to build from her experience as a serial entrepreneur, Sheena started TOO.AI in 2024. The artificial intelligence company is a research and deployment venture focusing on advancing human health, wealth, and capabilities in an inclusive environment.

Sheena Allen's contributions to the tech industry are not limited to entrepreneurship. In 2016, she made her film premiere in She Started It, a documentary that chronicles the startup journey of five women. In 2022, Sheena starred in the 2023 Webby-winning and People's Voice-winning documentary series by Google, Black Women in Tech. Sheena has also shared her knowledge and experiences through her print book, The Starting Guide, which offers insights into her early journey in tech, being a non-technical founder, and business 101 tips.

Sheena has been featured in various publications, including Inc. Magazine and Forbes. Sheena is a 2018 Business Insider Under 30 Innovator, part of the 2019 class of Forbes 30 Under 30 and Inc. Magazine 30 Under 30, and on the 2019 Inc. Female Founders 100 list.

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Financial Inclusion

Non-Technical Founder

Mobile App Mapping & Strategy

Bootstrapping vs. VC Investments

Women in Tech / Minorities in Tech

Tech and Pop Culture

Fighting the Bias of Artificial Intelligence

Advancing Human Capabilities via Artificial Intelligence

AI for Entrepreneurs [Workshop]

Black Women in Tech: Sheena Allen creates equitable financial services
TEDxSanFrancisco: How to Bring Humanity Back to Finance
Startup Runway: Sheena Allen, Capway
She Started It (Film)
Queen City Fintech Demo Day Class 7
SEfintechVC Interview with Sheena Allen
Essence Now: Black Women in Technology Give Tips for Success
SideHustlePro: How App Guru Sheena Allen Earned 3 Million Downloads With No Coding Experience (Podcast)
Southern Miss Stories: Sheena Allen

Books As an Amazon Associate, Gravity earns from qualifying purchases.


“Sheena Allen was the perfect speaker to kick-off our two-day conference! Her energy, speech, and engagement really set the tone for our conference attendees.”

Matilda Johnson
The Sadie Collective

“Sheena Allen was a dynamic keynote for inaugural Emerging Engineers Summit. As an organization focused on diversifying the nation's most competitive tech roles, Sheena Allen was the perfect example for our community to learn from and hear authentic advice that was relevant and timely. Sheena is authentic, inspiring and an excellent speaker."

Geneva Scott
Director of Career Center at Codepath