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This PayCLT episode is brought to you by Finzly The conversation with Ramy covers his journey into fintech, the growth of Charlotte's fintech scene, challenges in building a business, and the importance of user feedback in product development. Ramy shares insights into Spidr's platform and the dynamics of the fintech industry, highlighting the need for flexibility and adaptability in the face of changing market demands. The conversation also explores the potential impact of technology on the future of banking and payments. Ramy's LinkedinScott's Linkedin Takeaways Charlotte's fintech scene is experiencing significant growth and attracting young, hungry talent.The importance of incorporating user feedback and market research into product development. Fintech Growth in CharlotteImportance of Technology Application Chapters 00:00 Setting the Stage: Flexibility and Scheduling01:37 Introducing Rami and Spider02:17 Ramy's Background and Spider's Platform03:36 Serving Fintechs and Established Businesses05:02 Ramy's Journey into Fintech06:59 Early Interest in Technology and Financial Services08:05 The Application of Technology in Financial Services09:09 Common Thread Across Career Phases11:44 The Persistence of Manual Processes in Organizations13:00 Solving Business Problems with Technology14:23 The Importance of Technology Application15:36 Challenges and Surprises in Building a Business18:31 Navigating Partner and Client Timelines23:28 Incorporating User Feedback and Market Research27:27 Exciting Developments in Charlotte's Fintech Scene30:53 Dinner with an Influential Figure in Payments or Banking

PayCLT and Scott Harkey are proud to welcome Henry Ijams, Managing Director at StreamTech Advisors, to the PayCLT Payments Hub Podcast, sponsored by Endava. This season we're diving deeper into the Charlotte community to surface the payments leadership and talent in the Queen City, so we hope you enjoy the discussion! Henry's LinkedIn: https://www.linkedin.com/in/henryijams/ Scott's LinkedIn: https://www.linkedin.com/in/scottleeharkey/ PayCLT Payments Hub Podcast on Apple: https://podcasts.apple.com/us/podcast/payclt-payments-hub/id1556284274 PayCLT Payments Hub Podcast on Spotify: https://open.spotify.com/show/0vgsAgVVLiWOkfiyjWFFfn PayCLT homepage: https://www.payclt.com

PayCLT and Scott Harkey are proud to welcome Adam Gill, Head of Digital Banking and Deposit Product Management at Stearns Bank, to the PayCLT Payments Hub Podcast, sponsored by Endava. This season we're diving deeper into the Charlotte community to surface the payments leadership and talent in the Queen City, so we hope you enjoy the discussion! Adam's LinkedIn: https://www.linkedin.com/in/adamgill24/ Scott's LinkedIn: https://www.linkedin.com/in/scottleeharkey/ Takeaways: Career Progression: Adam is the Head of Digital Banking and Product at Stearns Bank, with a background spanning consulting, Ally Bank, and launching a neobank. Charlotte's Unique Landscape: Charlotte's foundation of large banks attracts specialized talent and feeds a growing fintech ecosystem, with smaller organizations diversifying the community. Lessons from the Neobank: Launching a neobank taught him to focus on a minimum viable product, and that the tech fundraising model does not always apply to fintech. Payment Misconceptions: People judge money movement through personal experience, which creates misconceptions about payment systems. Broader use cases matter. Future of Payments: Real-time payments are rolling out but are not yet relevant for every customer, and cash access remains vital for small and medium businesses. Community Engagement: Adam is passionate about building a diverse, collaborative fintech community in Charlotte. PayCLT Payments Hub Podcast on Apple: https://podcasts.apple.com/us/podcast/payclt-payments-hub/id1556284274 PayCLT Payments Hub Podcast on Spotify: https://open.spotify.com/show/0vgsAgVVLiWOkfiyjWFFfn PayCLT homepage: https://www.payclt.com

PayCLT and Scott Harkey are proud to welcome Joe Giordano, the exited founder of Payzer, as a guest of our second season of the PayCLT Payments Hub Podcast, sponsored by Endava. This season we're diving deeper into the Charlotte community to surface the payments leadership and talent in the Queen City, so we hope you enjoy the discussion! Joe's LinkedIn: https://www.linkedin.com/in/joegio1/ Scott's LinkedIn: https://www.linkedin.com/in/scottleeharkey/ PayCLT Payments Hub Podcast on Apple: https://podcasts.apple.com/us/podcast/payclt-payments-hub/id1556284274 PayCLT Payments Hub Podcast on Spotify: https://open.spotify.com/show/0vgsAgVVLiWOkfiyjWFFfn PayCLT homepage: https://www.payclt.com

PayCLT and Scott Harkey are proud to welcome Kelly Buchanan, the CIO of Enterprise Payments and Wholesale Technology at Truist as the initial guest of our second season of the PayCLT Payments Hub Podcast, sponsored by Endava. This season we're diving deeper into the Charlotte community to surface the payments leadership and talent in the Queen City, so we hope you enjoy the discussion! Kelly's LinkedIn: https://www.linkedin.com/in/mrskellybuchanan/ Scott's LinkedIn: https://www.linkedin.com/in/scottleeharkey/ PayCLT Payments Hub Podcast on Youtube: https://youtu.be/a1C0zhLtttQ PayCLT homepage: https://www.payclt.com Keywords: Charlotte Truist Endava payments tech technology finance financial institution bank banking network processor fintech

Are Central Bank Digital Currencies "crypto"? and why does it matter? Join our conversation with Barry Tooker of TransactionBanker.com as we dive into why CBDCs are coming up in the news and in the legislative halls. Connect with the speakers on LinkedIn: Scott Harkey Barry Tooker Learn more about the featured companies: Endava PayCLT Transaction Banker

We're Back!  We are kicking off our return to the mic with a deep dive into Cross-Border payment trends with Karuna Kathir from Finzly. Why is the space growing so aggressively and what impact did COVID have on international money movement volumes? Find out in the latest episode of the PayCLT Payments Hub podcast. Connect with the speakers on LinkedIn: Scott Harkey Karuna Kathir Learn more about the featured companies: Endava PayCLT Finzly

How are banks navigating check fraud today—and what can be done to modernize their approach? Scott Harkey chats with EY Payments Lead Jen Lucas to find out on the latest episode of the PayCLT Payments Hub podcast.  Connect with the speakers on LinkedIn: Scott Harkey Jen Lucas Learn more about the featured companies: Endava PayCLT EY

Paze’s Head of Product Matt Miller joins Scott Harkey in this episode, where they discuss Paze’s introduction to the digital wallet market.  Connect with the speakers on LinkedIn: Scott Harkey Matt Miller Learn more about the featured companies: Endava PayCLT Paze

Scott Harkey hosts Dropp CEO Sushil Prabhu to find out more about the future of Pay by Bank, micropayments and more in the latest episode of PayCLT. Connect with the speakers on LinkedIn: Scott Harkey Sushil Prabhu Learn more about the featured companies: Endava PayCLT Dropp

Live from Fintech + Insurtech Generations, Scott Harkey and David Tate (Director, Digital Member Experience at Blue Cross NC) took the stage to discuss the latest innovation and solutions in payments.  Connect with the speakers on LinkedIn: Scott Harkey David Tate Learn more about the featured companies: Endava PayCLT BCBS NC

Keith Riddle, CEO of the Americas at BankiFi, joins Scott Harkey in this latest installment of the Payments Hub podcast to discuss BankiFi, its position in the market, and how they're looking to grow the open banking space. Connect with the speakers on LinkedIn: Scott Harkey Keith Riddle Learn more about the featured companies: Endava PayCLT BankiFi

Donna Turner, Fraud Advisor in Residence at EY, joins Scott Harkey in this latest installment of the Payments Hub podcast to discuss the latest tricks we're seeing from fraudsters today, major changes FIs should pursue to safeguard against future threats, and more. Connect with the speakers on LinkedIn: Scott Harkey Donna Turner Learn more about the featured companies: Endava PayCLT EY

Ernest Rolfson, Founder and CEO of Finexio, joins Scott Harkey in this latest installment of the Payments Hub podcast to discuss the accounts payable (AP) industry and Finexio. They explore: How Finexio is transitioning businesses to electronic paymentsFinexio's approach to AP automationThe evolution and future of the AP and payments industryAnd much more! Connect with the speakers on LinkedIn: Scott Harkey Ernest Rolfson Learn more about the featured companies: Levvel, an Endava company PayCLT Finexio

In this episode, Scott Harkey hosts Margaret Weichert and Jennifer Lucas for their third annual yearly recap and new year forecast. Connect with the speakers on LinkedIn: Scott Harkey (Chief Strategy Officer and Head of Payments at Levvel) Margaret Weichert (Managing Director - North America Payments Lead at Accenture) Jennifer Moore Lucas (Head of Payments for FSO Americas at EY) Learn more about the featured companies: Levvel, an Endava company PayCLT Accenture EY