Larry Talley

And what I was being told was,

You have too much.

These are great ideas.

And I thought probably one of the sexiest apps out there, but it was too much for people's brains to absorb.

But as an engineer, you tend to build a lot of things.

But ultimately, I built an amazing application.

But the VCs and where the investment went, it went into the payments.

That was really the engine and the driver.

So I had to put all my other ideas and products on the sidelines and really focus it on what we like to think of as our MVP, right?

The one that we're all going to rally behind and the one that's going to make us the most amount of money.

And that ultimately was a pay by mobile solution.

And the pay by mobile solution was really that solution that basically assigned a merchant account a mobile number.

And what was really unique about the mobile number and how we did it

is that we used again like my hotel background real phone numbers 10 digit numbers and local area codes and we used a bot and an always personal license so everything was like hi john this is mary or hi john this is ivy we gave the bot a personality but ultimately a real human can jump in at any time and it was all about figuring out why somebody couldn't pay a bill or get them to pay fast

And if you think about industries like health care, nobody wants to call into a 1-800 number.

They just be put on hold or you don't want to get a statement in the mail just to put it on a desk for somebody to get to in 30 days from now.

Right.

So being able to send that text message out, the collective money or figure out why somebody couldn't pay a bill was extremely important and it became super relevant.

where I felt it was convenience that they were after, but it became contactless.

We struck a deal with Visa throughout the pandemic, and it quickly accelerated to a lot of their customers, mainly in healthcare.