nies like Mercury, Brex, and Arc snapping at its heels.

This wide-ranging conversation starts with Eric and Ramp, but I also wanted to discuss Fintech as an industry and whether it is here to stay in the post-SVB world. Or is it all just waiting to be acquired by JP Morgan.

1a:T490,

Ramp has become known for its expense cards that "just work." While a few competitors are in this category, none have grown as quickly as Ramp.

I put that down to obsession—an obsession with the details driven by North Star metrics like hours saved per user and dollars saved per customer. But how does that manifest as a product?

As the old saying goes, it takes a lot of effort to make it look effortless. Never want to add a memo to a monthly expense again? Just hit the "make recurring" button.

There is so much to learn from how Ramp executes, yet such a challenging road in front of them.

Today, Ramp is so much more than an expense card. It's one payment and procurement platform. Yet it has taken a downturn. It has famously not charged for key bits of the product, and it is in the single most competitive spot in Fintech, with companies like Mercury, Brex, and Arc snapping at its heels.

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Ramp CEO Eric Glyman: The equation for Hypergrowth