Ramón joins us from A.T. Kearney where he spent the last few years as a Principal consulting on a number of projects within the financial, technological and IT engineering space. He is our new CEO and we couldn’t be more thrilled to have him join us.

We sat down with him to ask a few questions about his choice to join 2gether and his enthusiasm for Fintech.

What has drawn you towards the Fintech industry?

Since the advent of the financial crisis, banks have been unable to rebuild their business models and provide positive returns to their shareholders. This prolonged situation has created a strong burning platform; changes in customer behaviors, regulation, and technology breakthroughs are giving birth to unprecedented opportunities. Fintechs have no legacy, and are therefore best positioned to disrupt the industry, create exciting value propositions, and make a difference in the financial space.

How does your background enable you to contribute to 2gether?

To date, I have dedicated my professional and educational life to the couple of disciplines that I enjoy the most. 2gether is at the intersection of such disciplines: entrepreneurship, banking strategy and IT engineering. While a consultant, I worked on a number of projects central to these aforementioned fields, while being an entrepreneur, I learned the tips and tricks of raising a new company “the hard way”. I believe all of these areas are key to turn 2gether into a global financial leader.

How do you see the future of banking progressing?

Unbundling, opening and atomizing. There is no reason to believe that the banking industry will remain vertically integrated, and that the guys owning the balance sheet will also own the consumer relationship in the future. It doesn’t happen in any other industry. Moreover, we are witnessing a new economy quickly gaining ground, linked to the tokenization of assets and services and the inception of digital identities, powered by blockchain. This new economy will disrupt, not only the banking space, but the monetary system as we know it.

Why does 2gether represent that future?

2gether aims to become the consumers’ primary financial provider, exceeding their current expectations and guiding them to a new world of finance, in which they simultaneously manage their FIAT, tokenized assets, and crypto, they accrue value in exchange for their collaboration, and they automatize their financial life. Much of this promise revolves around 2gether’s native coin, the 2GT, which enables;

Consumers to be paid when sharing their data, buy marketplace products or participate in platform decision making

Marketplace suppliers to leverage 2gether’s consumer base, technology and data

Facilitating an atomized value flow between both the platform’s demand and supply sides.

How can 2gether do that?

2gether’s aspiration is unique; we are not simply a challenger bank aiming to capitalize on consumer disconnection with banking, offering a better customer experience and an unbiased product selection, we want to be a transitional platform to accelerate an exponential financial experience for consumers, leveraging the power of exponential technologies, including blockchain (transactional), big data (informational), artificial intelligence and machine learning (contextual and intelligent). Our beta product already enables consumers to visualize, manage and pay seamlessly with euros, crypto and 2GTs, and that is only the beginning.

So, in a nutshell, what is 2gether?

2gether is the first collaborative bank, to support a new collaborative economy