Ramu Arivuvel — SPARQNOW

At-a-Glance

Founder and CEO/CTO of Inypay, an AI-powered neobank committed to reshaping financial accessibility in Southeast Asia.
As Group CTO and founding team member, he spearheaded the development of Tonik Digital Bank, the first neobank in the Philippines.
Led the first implementation of AWS Cloud and Google Cloud for digital banking in Southeast Asia.
Holds dual master's degrees in Computer Applications and Business Administration.

Biography

Ramu Arivuvel is the Founder and CEO/CTO of Inypay, an AI-powered neobank dedicated to enhancing financial accessibility for millions across Southeast Asia. With over two decades of experience, he has driven digital transformation and fintech innovation across the banking, telecom, and financial services sectors.

Prior to Inypay, Arivuvel served as the Group CTO and a founding team member of Tonik Digital Bank, where he led the development of the first neobank in the Philippines.