merchant-management
(2)
Ramani.io
Ramani.io is a Tanzania-born, San Francisco-incorporated B2B fintech digitizing the micro-distribution layer of Africa's consumer-packaged-goods (CPG) supply chain. It hands point-of-sale, inventory and procurement software to thousands of micro-distribution centres (MDCs) that move products from brands like Coca-Cola, Diageo and AB InBev to corner shops, then uses the real-time sales and inventory data to underwrite working-capital financing. A Y Combinator alumnus that raised a $32M Series A in 2022 and holds a lending license from the Bank of Tanzania, Ramani is now evolving into a financial marketplace and B2B e-commerce platform connecting banks, brands and resellers.
Richie Serna
Richie Serna is the CEO and co-founder of Finix, a full-stack payments infrastructure company he built from the ground up in San Francisco. A Harvard-educated son of Mexican immigrant parents from Santa Ana, California, Serna left management consulting at Booz & Company, taught himself to code, and joined Balanced - the first payments API for marketplaces - before founding Finix in 2015. Today, Finix has raised $205.5M in total funding (including a $75M Series C in October 2024) and has become a direct-connection payment processor competing with Stripe, Adyen, and Braintree, serving software platforms and marketplaces processing billions of dollars annually.