This episode is sponsored by Citizens Pay. With Citizens Pay, merchants have the security of a leading national bank and an omnichannel platform designed to streamline the buying process.  If you want to learn more about Citizens Pay, visit https://citizensbank.mvk.co/2hycr where you can find additional information about Citizens Pay and the buy now pay later payment model.

My two guests this week come to you from the city most known for rain (Seattle, WA) and the city most known for chocolate (Hershey, PA). And, somehow, they both ended up with a drive towards tech! AppTech CTO Ben Jenkins and Product SVP Bryan Guy have a passion for disruptive innovation and technology advancement.

For those of you who may not know, AppTech is a payments technology company that offers two core technology products: payments as a service and banking as a service. They are vertical agnostic, and they target disparate systems lacking integration. Their clients are most often found in verticals missing core solutions and core opportunities for their omnichannel banking and they offer these clients a “layer of thin integration often missed by a number of other industries.”

When asked about their competitive advantage, both gentlemen will agree that their UX offering is one of the most significant distinguishers in their space. They come in with a modern platform and are not beholden to any legacy systems. Not to mention, their adaptable, modular platform allows them to offer a proprietary experience unmatched in the industry today. Think commerce overlay meets payments orchestration.

A fun fact about the business? AppTech has been around since 2013 and throughout this time has secured several technology patens within the industry, including tech specific to:

·       Mobile-to-mobile payments

·       In-app geolocations services

·       And text-based payment options

Another fun fact about our guests? Ben started a software innovation lab in Tijuana Mexico, and we have Bryan to thank for the tech that enables you to pick up your mobile Starbucks order (already paid for) and go.

Tune in to hear these guys talk about their journey to AppTech and where they see the industry going in the next 2 to 3 years, including cashier-less technology, low code/no code solutions, business in a box, and embedded banking.