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Morgan Sowden is co-founder of PayDesk. He's not a journalist so please don't hire him :) Morgan is also the CTO @ Lendinvest, a VC backed fintech disruptor in the mortgage-lending space. Formerly I was the group CTO at Octopus Group, I co-founded and built OctopusLabs, OctopusChoice and OctopusCash, while assisting the whole group in transformation from waterfall to agile. I built their digital design team from scratch, as well as their Product and (distributed) Engineering teams. Prior to PayDesk, I was CTO and interim CEO of birthdayalarm.com, a very profitable online greeting card site with 55 million active members. I was also Entrepreneur in Residence at Monkey Inferno, a San Francisco based startup accelerator. Back in the day, I built (and sold) a social network. I'm also DJ (Mostly Techno), search for me on Mixcloud.