Andy Payment, Head of Marketing, Maxex joins Angie Korol, recent UGA fintech grad and now at Grant Thornton with Tommy Marshall, Executive Director of the Georgia Fintech Academy. Discussion focuses on the mortgage industy and the Maxex business model which provides an exchange to support buyers and sellers of mortgage loans.
Andy Payment, Head of Marketing, Maxex joins Angie Korol, recent UGA fintech grad and now at Grant Thornton with Tommy Marshall, Executive Director of the Georgia Fintech Academy. Discussion focuses on the mortgage industy and the Maxex business model which provides an exchange to support buyers and sellers of mortgage loans.
Welcome to the Georgia FinTech Academy podcast. The Georgia Vintech Academy is a collaboration between Georgia's FinTech industry and the university system of Georgia. This talent development initiative addresses a massive demand for FinTech professionals and give learners the specialized education experiences needed to enter the FinTech sector.
Speaker 2:Welcome back. This is Tommy Marshall, the executive director of the Georgia FinTech Academy. And welcome to episode 14 of our Georgia FinTech Academy podcast. We have a fun show lined up for you today. And two guests, Andy payment, the head of marketing for max X has joined us to represent the FinTech industry and Angie[inaudible], who is a recent graduate from UGA go Bulldogs. And she's here to, um, talk to us about her experience in FinTech and, uh, tell us a bit about the, uh, the new job that she has just started. Uh, so welcome to you both. It's great to have you here today. Thank you for having us. Uh, let's spend some time getting to know you each a little bit better. Uh, I'd like to start with you, Andy, if you can, uh, tell us about yourself and, uh, and give us a sense of your career in FinTech. I know our listeners really like to hear about the, uh, career trajectories of, um, experienced professionals like yourself.
Speaker 3:You bet. Thanks again for, for having me a nice to, nice to meet you, Angie. Um, so I've spent, I joined max X six months ago as head of marketing. I've spent, uh, about 15 plus years of my career in infant tech, uh, started off really by accident, graduated Georgia state in 2001 with a journalism degree, went into politics, was working campaigns for, for several years. And, uh, as happens in politics, uh, you're on a campaign and you lose, and then you find yourself out of a job. And, uh, and that happened back in 2004. And, uh, came upon a PR agency in Atlanta. That back at the time was a hundred percent focused on financial technology and a space I knew nothing about, um, and, uh, was hiring and it ended up, it ended up being a great, great career opportunity for me, found that I really loved the space and this is back before FinTech was a thing and there was a FinTech Academy, um, and just really loved the work. Loved the complexity, love the nature of these very entrepreneurial business to business companies. And, uh, so started off my career helping to launch startups in, uh, mortgage technology and in the banking industry as well. And, uh, uh, spent about seven, eight years in the agency world and then move over to some in-house roles at first data, uh, which at the time was the world's largest payments processor is now, now merged with now part of Pfizer. And, uh, from there went on to a lead global communications for Verifone, which was large payment systems companies, uh, at the time and, uh, you know, really a joy to continue to enjoy that business. Uh, and then, uh, left Verifone in 2017 and started my own business MBA, which was really focused on taking everything that I had learned about these very complex businesses and their operating environments, uh, you know, rapid growth, uh, turn around type of environment, and really spend a lot of time focusing on how do we operationalize that as a marketing strategy and, and implement that for similar types of businesses and, uh, was, had spent the last couple of years, uh, working on that and, uh, came to be introduced to max ax and was really just, uh, just blown away by the company and the opportunity and decided to, to join back in December.
Speaker 2:Yeah. And I'm looking forward to learning a bit more about, um, max X here as we, um, as we continue to talk the, um, I did want to ask you Andy, before we come to you, Angie Vicki. Um, I think of you as an expert in business to business B to B marketing, um, can you just for our listeners talk a little bit about what that means and how that's might be different than, or how it is different from, uh, this kind of consumer marketing space and, um, you know, kind of help us understand that. And then, you know, what maybe a couple things that you think are kind of critical to doing B2B marketing well, okay.
Speaker 3:Yeah, you bet. Um, you know, I, I think for those of you who are, who are students and, uh, you know, are maybe studying or considering a career in marketing, um, you know, it's a good time, especially if you're in your junior senior years to really start thinking about, um, how you want to go out and apply that skillset, because there's a big difference between selling soda and toilet paper and cruises versus selling enterprise software, uh, or SAS software. And, you know, I really the business to business end of that, where you're selling to small, medium, or enterprise businesses, government institutions, NGOs, et cetera. And, uh, you know, it's a very, really different process where consumer marketing is a lot more about, uh, sizzle and being able to acquire customers in a very short period of time. Uh, B2B marketing is really about, uh, being able to distill very complex concepts into simple value propositions for businesses, being able to cultivate relationships, uh, being able to establish a thought leadership position on a particular topic issue and develop a partnership through marketing, uh, you know, on the enterprise side and then on the SAS side. So if you think about, you know, the way that you purchase a Microsoft or a number of other, you know, subscription software offerings that you might pay for on a monthly basis, for example, uh, managing that process in a much shorter cycle.
Speaker 4:All right, cool. No, that's helpful. Angie, tell us about you. Well, thank you again, starting off for allowing me to be here. Pleasure, great and fun opportunity for me. Um, so just quick about me, I just recently graduated from UGA, uh, with an MIS degree and I currently work as a it risk associate at grant Thornton. Um, but to go along the story of how I got into FinTech crazy story, actually. So when I actually first entered into like the MIS degree at Terri, I was forced quote unquote by my teacher to join a hackathon that UGA was hosting. And so this was back in 2000, 19, early January. And so I thought I have no experience in coding, but why not? And so it ended up being a hack-a-thon hosted by Fiserv and it was like focused about FinTech. And so that's where I first got introduced to FinTech. And, um, my team actually ended up winning the FinTech, uh, the Fiserv competition at the hackathon. And we won second overall with an app that we created focusing on financial technologies and from there. So I got like a quick interest in it. And I, from there, like I got pushed by one of the Fiserv associates that were there to apply for one of their positions, but I was focused so on it that I applied, um, to all the, it positions that Pfizer was ha having. And from there, like I just got more and more into FinTech and eventually ended up getting an internship at Fiserv under their corporate finance as a finance intern or a finance project manager. Um, and then from there, I was speaking to my team, um, to the MIS director, Dr. Boudreau about my interest in FinTech about like, what can I do at UGA? That's going to help me pursue that. And so she actually pushed me to join the FinTech South conference. And, um, that was my first time actually going to a conference and I got to learn so much more out just like the different technologies about different corporations that were there. And it just really just drew me towards there. And that's actually where I met Bob Trotter, who is now the professor at UGA who teaches the fundamentals of FinTech. Um, and then from there, so I had created a relationship with Bob Trotter who constantly like PR uh, talk to me about FinTech and technologies, what I can do as a student there. Um, and I also started my internship with Fiserv. And so with Fiserv, I was actually with the transition from first data into Phi surf. Um, and I did a lot of work that I didn't really thought I w I think I would do as a it major. Um, I worked a lot with accounting and I did a lot of data analytics, and I did a lot of, um, business processing, but throughout the whole time I was talking to Bob. And so he convinced me to actually take the first class of the FinTech fundamentals at UGA. Um, and so from there, like my inches completely grew and I like basically fell in love with FinTech and took the courses and a little quick introduction about the FinTech class at UGA. So that was the first time ever, I've been introduced to having real life projects inside of classroom. And it was nothing I ever experienced before. And so I was under a Pfizer team and I actually helped streamline a sales process through like a project that was given through us through visor throughout the whole semester. And I got to like, learn about like the insides of Fiserv and how everything's working. And from there, I took the second FinTech class, which was focused primarily on the technologies. And while I was doing that, I was also doing the FinTech Atlanta internship. Um, and so I got the opportunity to work with the FinTech Atlanta, and I helped create a, um, a streamlined process or yeah, basically like a process of streamlining experiential based learning opportunities or projects. And so we can get more of these kinds of projects that I got the opportunity to be a part of in my first semester and have it expand to all different universities. So they have the same opportunity. Um, and then from there, I am still a part of FinTech, Atlanta, and now working at grant Thornton. So that was like a little bit of a long intro.
Speaker 2:Yeah. But it's a, you, you kind of dove in the deep end on, on FinTech. Uh, it sounds like after that, uh, cool hackathon. All right. Let me ask you about the hands-on. So what was the app that you are one on? What, what, what did you create? What did it do?
Speaker 4:So, um, it's funny enough. So we created a bar app since Athens downtown is primarily focused on their downtown businesses. And so we thought about it and like the marketing aspect of it. And so, um, using Google analytics, we basically looked at the maps and we created a heat map. So, um, bouncers, I guess they can say that there's like this many people coming in, or this many people that are not there. And so you can go towards a bar that's like less populated if you want to be around less people or more populated, but then with the financial services side. So we took five serves API that they gave us, and we created basically a cloud wallet. And so we know that there is a problem where when people, I guess, drink a little too much, they can either lose their, or they want to overpay. And so you basically set yourself a limit of how much money you can put into everything. And so you don't have to carry around your wallet and everything is on a barcode. And so it's, and you can easily order drinks from your app and to be able to go in and automatically get your drink instead of waiting in line by chance, getting over overcharged or losing your credit card in the whole process.
Speaker 2:I got it. Cause you're, you're a VAR pay FAC and the guests in industry,
Speaker 4:I guess. Yeah. I mean, it was, it was, um, it was a team. And so I guess that was like the best idea we could come up with with what was given to us, but it was really fun to build it.
Speaker 2:Yeah, that's great. The, um, yeah, the hackathons are cool. We, we, um, we enjoy doing those. We're going to have some more kind of coming out of the FinTech Academy soon, uh, as what I would find there and that, and then I, you know, we did, I know you did your projects in Bob's class with Pfizer, but, um, you know, we've had some great engagement from a lot of different companies in doing projects. I know at UGA there was Pfizer, I think NCR Gardner, um, at Georgia state, we've had Wells Fargo, Yvonne, um, doing stuff, doing student projects. And it's a, it's something we want to continue to do a lot more up. Cause I mean, just as you're saying, it's a really a meaningful kind of experience when you're getting those hands-on and the, uh, I think from an educational standpoint, we understand that that really improves the, um, the quality of the educational experience when we can.
Speaker 4:Yeah. I mean, I mean, like for me, from a student perspective, it's like you go through college and you have the same preset projects that every student before you goes through. And so you just like already know going in like, okay, so people before me took this class and they said that projects like this, just go about it like this. And you're like, okay, but in this case scenario, you're working on an actual project with an actual corporation. You, you barely ever get that experience. And like you get that real life opportunity and to work with a real business, you get to really learn how everything works and being on the calls and understanding like, okay, we, this is a serious problem. This is something that we have to fix altogether. And we have to work with different people and come up with different ideas and everyone, all, everyone has such different ideas and just putting it all together, you work on a team. It was just a really cool experience to me. And I think everyone should be going through the same experience.
Speaker 2:Yeah. I love it. The, it also reminds me and you've helped to get this started with FinTech Atlanta. Um, so I guess first those of you that don't know FinTech Atlanta is a economic development, um, organization that we started it with the Metro Atlanta chamber and ATP PC, and, uh, technology association, Georgia and multiple corporations in town, including all the ones we've been talking about. Um, and we, um, had this idea that FinTech Atlanta would be a good, um, organization to help inventory or create a list basically, uh, potential projects that we could introduce to, um, these classes in the university system. And, uh, and I guess Angie, you, our first intern ever to come in and start to figure out like how we could accomplish this. And now we have a, I think there's three or four, um, UGA students that are working on really cutting out, giving the actual list of projects together, um, so that we can start to introduce more projects to, into classes, uh, in the fall and the spring of,
Speaker 4:Um, more focused on building the concept of it. But right now they're currently building the prototype. Um, and so we're trying to see where we can. I mean, with my, with the document that I created, I was specifically focused on SharePoint since I thought it was like an easier platform to use. And like there's a lot of indexing opportunities, but they're actually building it and testing different kinds of projects.
Speaker 2:Mm. Yeah, no, I'm excited too, to see how that evolves. And I know it will be very useful to the various professors. We have teaching content Academy courses. Um, Andy, tell us about max X. What is max ex?
Speaker 3:Yeah. So before I get into what is max X, I'll just give a brief overview of sort of how a mortgage works because, because our business is really built around the mortgage industry, most of, most of you listening probably don't own a home yet. Um, and so, but when you do, uh, you'll, you'll find yourself, uh, speaking to a bank, you know, chase or bank of America, community bank, like a Synovus or a non-bank, uh, like a Quicken loans, um, you know, to, to go in and obtain a loan for 200, 300, 400, 500,000, um, to purchase a loan, to purchase a home. And, you know, those, those loans generally, uh, extend over, you know, 15 to 30 year periods, um, for which you make a monthly payment of the principal plus the interest. And, um, the way that that works is after you take out that loan, uh, what the lender often does is they take that loan and then they sell it, uh, to an institutional investor. So it might be a wall street bank. It might be a real estate investment trust. It might be a, an insurance company, but there are multiple investment organizations that actually, uh, buy mortgage loans, uh, which they then package into securities that go into pension funds, hedge funds, different investment vehicles, or that they hold in their own portfolio, uh, and service those loans and take your payment as their coupon payment, just like they would on a bond. And so, um, it's an extraordinarily complex process and in a mortgage, each mortgage is very specific to the individual and the property, um, which makes them very complex to, uh, to, to buy and sell. And so, uh, max X is the first, uh, exchange to enable the buying and selling of these loans between lenders and investors, uh, through a centralized clearing house. So we're the first functional exchange, um, that allows us to do this. And so, um, you know, we, we launched our platform back in 2016 and, uh, you know, today we have more than 120 buyers and sellers who are already part of our marketplace, including some of the biggest investors in the world, some of the, uh, uh, top names in, in mortgage lending. And, uh, we've locked about 7 billion in loans to date. Um, you know, we were at the end of 5 billion, uh, at the end of 2019. And by the end of February this year, we were over 7 billion. So, um, uh, very successful growth in scale, uh, with the platform so far, uh, we operate today as a part of the market, um, really sort of the jumbo non QM, uh, what's called the non-agency part of the market today, but, um, we've built a marketplace and platform that has a lot of, a lot of potential.
Speaker 2:Um, yeah, that's, that's exciting. And I think of max X, how old is max at, I guess is my question.
Speaker 3:Uh, so, you know, the, the founders, uh, began working on this idea after, you know, the great recession and the housing crisis of 2008, our platform was launched, uh, effectively in 2016. Um, and, uh, but it's, you know, the, the powders working on the business well, before that,
Speaker 2:I got it. All right. Cool. And, um, yeah, it's, uh, it's been exciting the same max X coming on the scene here in Atlanta and kind of starting to get, you know, build up and kind of grow substantially. Um, and it's, uh, I mean, I guess particularly for me, I, I don't think of as having, uh, very many, um, financial services or FinTech companies that have, um, a focus on residential mortgage, uh, this part of the financial services marketplace. Um, so it's, uh, it's exciting to me in that way. Yeah,
Speaker 3:Go ahead. Sure.
Speaker 4:Oh, I was just going to ask a quick question. Is max X only focused in Atlanta or hosts like hosted in a lent on not Atlanta us or is it like a global?
Speaker 3:So our primary focus today is on the U S uh, mortgage market, which is one of the largest credit markets in the world. It's about$11 trillion. So, uh, we're, we're very focused today on the U S mortgage market headquarters is in Atlanta, in Midtown, just North of the Amtrak station, a beautiful office down there. I haven't been there in a few months, but that's very nice.
Speaker 2:Are you guys planning on explant spanning globally eventually?
Speaker 3:Well, you know, right now our focus, you know, what we're doing is we're, we're providing a, a solution to a very complex problem. And so our, our focus in the near term today, we're focused on the non-agency segment of the market, um, which is a slice of the overall mortgage market. And, you know, as we continue to build a platform and bring buyers and sellers together, these lenders and investors, the focus really is on continuing to grow our presence within the us mortgage market, and then provide additional value on top of the platform that we're building. So there's no immediate plans for expansion outside of the U S but, you know, as you'll see with other exchange and transactional types of businesses, um, you know, as you, once you're able to actually create a marketplace, you know, the real power of max X and in what we've done is, um, we have buyers and sellers who are trading these very complex instruments on the same terms. We've all signed the same standard agreement. Um, everyone writes to a single set of guidelines, uh, and they're able to trade loans through one digital cloud-based platform. And so we've created a significant, uh, efficiency and simplicity off what is historically that a, a very complex and risky, uh, transaction. And so, um, there's a lot of opportunity right now just within the U S mortgage market. And that's where we're focused on building the business today.
Speaker 2:Um, so is everything cloud at max X? Okay.
Speaker 3:Yeah, so we have a cloud-based trading portal that allows buyers, uh, that allows lenders to come in, uh, upload their loan data, view pricing from different investors, uh, select the pricing that they want locked their loan. Um, so it is a primarily technology driven cloud-based process. So, you know, we do have a very talented, uh, uh, underwriting and due diligence team that does some work on the back end, but, uh, we've been able to push a good bit of the experience to the cloud.
Speaker 2:That's awesome. Um, tape, can you just say some more about agency versus non-agency like unpack those terms a little bit more,
Speaker 3:Yeah. Today, if, uh, if you have a mortgage loan that is less than say, um, I think it's around 510,000. I don't have the exact loan limits in front of me. Um, then it's eligible for purchase by one of what's called the GSEs. They're the government sponsored agent,
Speaker 2:Freddie Mac informing,
Speaker 3:Uh, and, and journey may. And, um, and that's, what's called a traditional conforming loan. And, um, that makes a substantial chunk of the market and, uh, has a very defined process. And those, you know, you see this now during COVID-19 th those entities, as well as the, as the market has gone through some time, the government has stepped in to provide liquidity through those entities. Uh, but it's not the, not the entire market again, that the us mortgage market, uh, is, is over 11 billion,$11 trillion. And, um, there's a, also a non-agency part of that market where mortgage lenders trade directly with institutional investors. And so that's things like jumbo loans, um, non QM, which is sort of replaces subprime, um, but is actually, uh, you know, their loans for people with less than perfect credit quality, but they're much higher quality loans. Uh, then we saw with subprime back in the late two thousands, um, investment properties, uh, high balance loans for people who, you know, uh, everyday homeowners who just live in high cost markets, California, new England, et cetera. So, um, you know, the non-agency space is a very robust space that represents a substantial part of the consumer population. Um, you know, especially a lot of these, you know, small business owners who create a lot of jobs.
Speaker 2:Right. Um, okay. No, that's super helpful. So there's, there's some, when we think of all the loan, the mortgage production in, um, say a year, um, there's a lot, I guess, probably safe to say that the majority is going to be fitting into that conforming space, um, and originated by the likes of Quicken mortgage and Wells Fargo and chase, or is that crowd, um, and then there's, um, a percentage that's meaningful, but smaller of the pie, that's this, uh, kind of non-agency, um, type, uh, production. Does that make sense?
Speaker 3:It's really, it's really, it's really to think about it a bit differently on the front end, from the consumer's point of view, you'll go to a bank or to a Quicken or another non-bank lender, and they'll offer you a number of different programs, uh, right. Conforming, FHA, VA jumbo, and each of those loan programs actually has their own different underlying pipes, so to speak right, a different, a different process through which that loan is sold and then makes it into what's called the secondary market. Um, and so it, and the lender's job is to make that all simple for the customer. So the customer can go to a website and say, okay, this lender has a 30 year fixed loan. They have a 15 year fixed loan, and they have a jumbo loan, which is generally going to have, you know, somewhat different structure and re uh, they have arm products, they have FHA programs, et cetera, but the process that the lender has to go through to originate or create each of these loans, uh, tends to be very different. Yeah. So what we're really solving is that pain on behalf of both the originator and the investor,
Speaker 2:Um, and how many, uh, employees are at max X now,
Speaker 3:Um, today we have, uh, about 65 employees, um, great team, you know, it's, again, it's, it's a really deep bench of people who come from both the mortgage space and from Syntech payment processing, uh, as well as we have a very experienced, uh, you know, AWS cloud team and a great group of people primarily based in our office here at Atlanta, but we have some others who are spread out around the country as well.
Speaker 2:Cool. Let's um, appreciate all of that. That's really great context. And it's good to hear and understand a bit more about Mac sec. So I'm just, yeah, I'm super excited to, um, see its growth and presence here and our, um, FinTech ecosystem, but let's, um, pivot towards just key news items that have caught our attention in the last week, uh, in the, in the FinTech, uh, industry space globally. Um, I'll start stuffs start off. Uh, cause I got excited yesterday, uh, a Crunchbase or an article went out, um, announcing that steady, which is a, uh, FinTech company that graduated from the Georgia tech advanced technology development center. ATDC, uh, just closed a$15 million series B round. And, um, Steady's an exciting company to me because it's very focused in this area of FinTech that we'll often refer to as financial inclusion. Uh, they're focused on like how to help low to moderate income workers, figure out how they can make more money. Uh, Adam Roseman is the CEO. Um, Shakila, Neil's been very publicly a, um, an investor and helps with, um, promotion of steady and their capability. Um, so it's just great to see them getting some more support. And of course it's like what they offer has only become ever more relevant and important in the context of all the, uh, re massive rise in unemployment that we've seen in the last three months here in the, uh, in the United States. Uh, so that was kind of a big key one. I caught. How about, um, how about you, Andy? Um, anything catch, catch your eye?
Speaker 3:Yeah, I think the big one for us, you know, back to your earlier comment about, you know, when you think about FinTech in Atlanta, um, you know, I think, you know, having spent a, a meaningful portion of my career in the payment side, I think payments gets a lot of the, uh, the air time, even though there's a lot of innovation happening in banking, other areas of finance. And, um, you know, I think max X is a, is a great, uh, example for the mortgage space, but, um, you know, I think the Quicken IPO is a good opportunity to sort of stop and look at we're filing for an IPO is just a good opportunity to stop and look at, uh, just how meaningful this space is. Especially if you're thinking about FinTech, uh, you know, the role of the mortgage industry and the Atlanta ecosystem, the opportunities in that space. And there are some companies that are doing some really interesting technology driven things in this space. And, um, you know, I think COVID-19 has sort of created that, that nudge, uh, in consumer behavior where those of us who never thought we could get to a, a digital first environment for a lot of things. Um, you know, now it's becoming more commonplace. I mean, you know, two years ago the thought of buying an iPad from a kiosk seemed absolutely ridiculous. And, and now you have, uh, lenders like click a new drug. You don't have a purely online experience, uh, for, uh, you know, a several hundred thousand dollar transaction. Um, you know, really starting to take this, take a center stage role in the, in the marketplace. I think there's a lot of innovation coming in the mortgage industry right now. And, and, and Quicken is a good proof point. That brings a lot of, uh, a lot of attention to about the health of the mortgage market, the importance of it, and the level of innovation that's being, being piped into this part of the industry.
Speaker 4:Right? Yeah, definitely. Uh, Angie, how about you? What caught your eye this week? Um, so I was actually reading the FinTech news this morning and I came across a new app that's um, that's been growing in Singapore, it's just called ride, um, R Y D E. And it is the first carpooling app that will allow you to pay for rides with Bitcoin. Um, and they have like their own version of Bitcoin called ride coin. Um, and so I started reading into it and I found out that Singapore is like the third largest Bitcoin exchange in the whole world. Um, but the more I get done reading, I found out that Singapore still primarily uses cash on this, on their day-to-day basis, but with the whole COVID going on, a lot of people were more attracted to cashless transactions. And so they started going towards like more, um, again, cashless transactions. And so they, this new app ride, they completely bloomed just because since they are offering their own version, um, on their own wallet of their, uh, they were able to grow so fast due to like, they do still need to go through, right. A lot of people or individuals need to go through rides, but they don't want to pay with cash still. And so transitioning from a regular day-to-day cash to Bitcoin really just bloomed within their country. And it's like a good application that would be even used here in the United States should be expanding on the fact that like, Bitcoin is really good currency to invest in and it should be going through like our programs here as well. Um, Angie, are you a Bitcoin investor? Um, yes, sorta. So I like recently into stock exchanges and so I've also recently invested in Bitcoin and if their own, um, I'm still trying to understand everything and like test with little bits and pieces to make sure that like I'm not messing up anything yet, but it's been really interesting to see how, um, the, these applications work. Um, I use Coinbase if I remember correctly. Yeah. I've been on Coinbase.
Speaker 2:I was like, what do you, do you use Robin hood Coinbase? Any of those?
Speaker 4:No, I I've looked at Robin hood and I think it was acorns the other, um, like micro investing. Um, I dunno, I was just like, I like looked into it, but I chose like for investing base, I use fidelity. Um, and again, like, I'm just so I'm, I'm a little baby in investing and so like, I'm still learning all like the nitty-gritty details.
Speaker 2:Great. You're investing now keep doing it. Oh yeah. That's a perfect time to start. It's never too early to start on the investment. Um, well, good. This gives we're kind of at the limit of our time, but they thank you very much. Uh, Andy Angie, for being part of the Georgia FinTech Academy podcast, I hope you'll come back on soon. And, uh, Angie congrats again on your graduation from UGA and the new job with grant Thornton.
Speaker 4:Thank you. My pleasure. Thanks Tommy. And congratulations again.
Speaker 1:The Georgia FinTech Academy podcasts are available on iTunes and Spotify to obtain additional information about the Georgia FinTech Academy. Please visit our website@georgiafintechacademy.org.