David Garcia of Digitt joins Nick to discuss Building the AMEX of LATAM, Raising a $50M Debt Facility, Why Leaders Should Tend to Flowers Not Weeds, and How Creativity Can Lead to 80% Organic Consumer Acquisition. In this episode we cover:

• Comparison to SoFi and American Express
• Business Model and Customer Retention
• Future Products and Market Strategy
• Debt Financing Process and Lessons Learned
• Customer Acquisition and Content Strategy
• Scarcity as a Superpower and Company Culture
• Mistakes in Team Management and Final Advice

Guest Links:

• David’s LinkedIn
• David’s Twitter/X
• Digitt’s LinkedIn
• Digitt’s Website
• Digitt’s Tiktok

Links Mentioned in This Episode:

• Brunello Cucinelli interview
• Net Interest - Hey Big Spender
• Danny Meyer on Tim Ferriss

The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area.

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