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 Linkedin
• Scott'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 Charlotte
• Importance of Technology Application

Chapters

• 00:00 Setting the Stage: Flexibility and Scheduling
• 01:37 Introducing Rami and Spider
• 02:17 Ramy's Background and Spider's Platform
• 03:36 Serving Fintechs and Established Businesses
• 05:02 Ramy's Journey into Fintech
• 06:59 Early Interest in Technology and Financial Services
• 08:05 The Application of Technology in Financial Services
• 09:09 Common Thread Across Career Phases
• 11:44 The Persistence of Manual Processes in Organizations
• 13:00 Solving Business Problems with Technology
• 14:23 The Importance of Technology Application
• 15:36 Challenges and Surprises in Building a Business
• 18:31 Navigating Partner and Client Timelines
• 23:28 Incorporating User Feedback and Market Research
• 27:27 Exciting Developments in Charlotte's Fintech Scene
• 30:53 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

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