Scott Harkey leads the Payment Practice at Levvel, a consulting firm based in Charlotte, NC. In this role, he advises a number of US, European, Australian, and Canadian banks, digital wallets, merchants, and startups on their digital payment strategy, payments architecture, custom application development, and vendor integration efforts. Prior to joining Levvel, Scott was a Technology Executive at Bank of America managing the bank’s Digital Wallet technology. In this role, he was responsible for accelerating the bank’s progress to becoming a leader in digital payments through the launch of multiple strategic payment products. This experience, combined with an additional 10 years of technology merger integration and IT operations outsourcing at Wells Fargo, gives Scott a true insider’s point of view. It also demonstrates a proven track record of delivering to banks, technology providers, and merchants operating in the digital payments space. Scott holds a number of payment related patents, is a frequent speaker on digital wallets and payments, and plays an active role in fostering a Fintech culture in the Charlotte community. He holds an MIS degree from UNC Charlotte and an MBA from NC State University, and lives in Charlotte, NC with his wife, daughter, and twin boys.