Ramy Serageldin

@CharlieKroll @DigiOnboarding Awesome news!! Excited for you @CharlieKroll and the @DigiOnboarding team

Some personal news - I'm absolutely thrilled to share that I've joined the team at Digital Onboarding (@DigiOnboarding) as CEO. Why Digital Onboarding? Simply put, it's an incredibly exciting company that is solving a huge and overlooked problem for financial services, an industry I've spent my whole career in. What problem is that? Years ago, banks and credit unions began investing in great digital account opening experiences, and great digital banking experiences. But they neglected a big and important gap in the middle - most new account openers never become active customers. Attrition rates in the first year of a new customer can be north of 50%. For a financial institution that spends $300 to acquire each new account, this is like continuously filling a leaky bucket with Evian water, but never plugging the holes. The state of the art in the industry has been the "welcome packet" or the "switch kit" - these haven't really evolved in as long as I can remember, and they don't work, especially in today's digital, fragmented, competitive world. Digital Onboarding has pioneered a new approach - a combination of marketing automation software to engage and nurture new customers, personalized landing pages and embeddable widgets to drive the next action, and vertical-specific integrations to automate messy processes like switching direct deposit and updating cards-on-file with merchants. Even simple things like making sure the customer downloads the right mobile app at the right time. I've known the founder Ted Brown for close to twenty years, ten of which we spent working together at Andera. He actually got the idea for Digital Onboarding there, and has been building it ever since along with his cofounder Jonathan and an incredible team. Ted will now be stepping into the Executive Chairman seat, and partnering with me and the board in a more visionary role to drive this next chapter. LET'S GOOOOO! digitalonboarding.com/about-us/press…

@zachpettet Easy Zuck... Calm down ;)

HOW HARD IS IT TO SPELL SOMEONE’S NAME RIGHT WHEN YOU’RE EMAILING THEM ASKING FOR SOMETHING

@aditishekar @Verizon Advantage of Google voice on Android, you can set it to automatically use the much cheaper Google voice number for international calls. It's built into the dialer.

I was talking to Dalmar about calling my step mom yday and Siri overheard and called her in India. I went with it and didnt think twice about it till @Verizon sent me a text saying I incurred a $90 charge for long distance calling. I stupidly didn’t realize Siri wouldn’t use WhatsApp. Long live @WhatsApp!

@aaronbuley Green Smoke!!!

90s kids, tell me how this makes you feel.

@AmazonHelp False alarm. Apparently he handed it to my kid directly, but took a picture first. All good!

@sirrams We'd like to look into this. Please provide your details here: amzn.to/3OY0Ydn. -Gwyneth

@amazon great delivery

@rabois @rexsalisbury consumerfinance.gov/ask-cfpb/can-i…

@rexsalisbury legally not possible in the US.

What Banks or BaaS providers don't require SSN for account opening and/or remittences? Asking for some founders...

@rexsalisbury consumerfinance.gov/ask-cfpb/can-i…. nerdwallet.com/article/bankin….

@Forbes what am I missing? I mean we've all heard of decoy pricing, but this is next level.

@mdharrisnyc @RevTechLabs @finsidersCLT *put on

@mdharrisnyc Come check out Charlotte. Mid-June having our annual Fintech Generations conference out on by @RevTechLabs & @finsidersCLT . generations.global

Looking to travel a bit domestically soon. Looking for cool ideas of places to visit in the US. Will be in NYC for Fintech week. Otherwise totally open. Any cool recommendations?

@Ryan_Falvey @AlexH_Johnson #3 is a big one. Needs aren't as diverse, so harder to create a niche

@AlexH_Johnson 1. Concentrated banking market 2. not a lot of people (pop of California concentrated in 3 large cities and then over vast territory) 3. wealth inequality isn’t as extreme as the US so incumbents have more of a business reason & reg req to serve entire population

Can anyone explain to me why fintech has seemingly made no progress in Canada? What's going on up there?

Why facts are important...also @zck @HHorsley you should compare friends, maybe they are the ones sneaking back in!

@anothercohen Like Salesforce...

This is the UI of a company with a $170bn market cap

@sirrams @sirrams, you know firsthand how I have built SWAG in the past…are you a little curious about what I’m planning now in #web3?🎉 Hint - IRL and #Metaverse combined 😍🥰🚀

Happy Friday to my #web3fam from baby #yoda (Zelas) and I. 🥰🎉🙃

@cgledhill Yup, it looks like this:

@sirrams Good one. Every bank has a .ppt slide with the customer at the centre but 9/10 it’ll be product (and the increased sales thereof) driving decision making.

What one question could to ask a banker to determine if they truly get “Fintech”?

@JonZanoff Beat them at their own game. Fax them 1000 page pdf to clog up their CRM :)

Faxing is enough of a reason for me to close my accounts. So disappointed in my favorite US retail/SMB bank.