Matt is the CTO and Co-Founder of Fivestars, a venture-backed startup building a consumer identity and payments platform that personalizes commerce in the real world by harnessing the power of big data, predictive analytics, and cloud-based marketing automation. Fivestars is the fastest growing company in customer loyalty and marketing automation for local businesses, and has started to transform the in-store purchase experience by becoming a payments facilitator and launching a product that links payments with loyalty. Fivestars drives over two million customer visits per month across a network of over ten thousand businesses, and is poised to process over 5bb in payments on their new payments platform by the end of 2021. Previously, Matt was a consultant at McKinsey & Co. in New York, and holds two degrees, one in Engineering and one in Finance, and a Math minor from the University of Pennsylvania.