Jay Bhattacharya, CEO & Co-Founder of Zipmark a venture-backed payment business that enables real-time, secure payments directly from checking accounts, lowering costs and improving user experience. Zipmarks API and apps are available by private beta invitation only. Jay’s last company, MMV, a mobile banking SaaS provider, was acquired by Intuit in 2011. During his tenure, as co-founder and head of business development, the company raised $28 Million of venture capital from Citi Ventures and SK Telecom, and implemented mobile banking services in 25 countries. Prior to that, Jay was at Citigroup for 7 years where he was responsible for emerging payments strategy and helped launch Citi Ventures.