Fintech & E-commerce
Designing and running payment and financing platforms end to end: instalment credit, merchant integration, and an approval flow automated enough to work at scale.
Founder, CEO & CTO · QuickOffer and QuickPay
Raúl Morello
I build financial products for people the banking system leaves out. Fifteen years of shipping software, from the first wave of iPhone apps to the two payment platforms I run today across Latin America, the United States and Europe.
QuickOffer finances phones and electronics with no credit check, in interest-free instalments, reaching customers most lenders will not touch, banked or not. QuickPay takes the next step: payments that happen inside WhatsApp, where the conversation already is.
What I Do
Product Development
From first sketch to production: web, iOS, Android and desktop. I have shipped at every layer, which means I can tell an ambitious roadmap from an expensive one.
Artificial Intelligence
Conversational assistants and automation built for Spanish speakers, a market that rarely gets first-class AI products. My own has been in production since 2023.
Technology Consulting
Scaling startups, sourcing product and negotiating across three regions. Cross-border work is where most plans quietly fall apart, and where I spend most of my time.
Tech stack
Web
- PHP
- Laravel
- Python
- Django
- Node.js
- Express
- Strapi
- WHMCS
- .NET
Frontend
- JavaScript
- React
- HTML
- CSS
- Bootstrap
- Web scraping
Mobile
- Swift
- Objective-C
- React Native
- CocoaPods
- Java
- Kotlin
Desktop
- C#
- C/C++
- Swift
- RxSwift
How it started
My first prototype was a multi-touch table I built at home as a teenager, out of whatever was lying around. It worked: the screen answered every touch on the glass.
It taught me something I still rely on. You can almost always build a first version out of what is already at hand, and that version will teach you more than any plan. The iPhone apps came next, then recognition from Apple, then fifteen years of shipping product.
I decided to devote myself to technology very young, when I discovered that what I liked most was creating and innovating.
Experience
Download CV ↓-
Founder, CEO & CTO
CurrentQuickPay
Mar 2026 — Present · 7 months · Miami, Florida, United States
Payments inside WhatsApp, with nothing to install: peer-to-peer transfers, merchant payments, bill splitting and automatic conversion between dollars and bolívares. Paying should feel like sending a message, because that is already where people are.
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Founder, CEO & CTO
CurrentFeb 2022 — Present · 4 years 8 months · Miami, Florida, United States
Financing for phones and electronics with no credit check, in interest-free monthly and biweekly instalments. It works for banked and unbanked customers alike, which is most of the market in practice. Thousands have bought through us, alongside agreements with Samsung, Honor and ZTE.
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Technology Advisor
Cámara de Comercio del Edo. Lara
Jul 2024 — Dec 2025 · 1 year 6 months · Barquisimeto, Lara, Venezuela
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Project Manager
Covencaucho Industrias S.A.
Jun 2021 — May 2022 · 1 year · Barquisimeto, Lara, Venezuela
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Founder
RAMC Software LLC
Sep 2010 — Dec 2021 · 11 years 4 months · Miami, Florida, United States
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Founder
Hacker Squad
Jan 2010 — Dec 2021 · 12 years
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App Developer
The Objective Media
May 2019 — Aug 2021 · 2 years 4 months · Madrid, Spain
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Project Manager
Pollinion
Jun 2016 — Dec 2017 · 1 year 7 months · Miami, Florida, United States
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Project Manager
Buholá
Jun 2014 — May 2016 · 2 years · Caracas, Venezuela
Education
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Universidad Fermín Toro
Engineering Degree, Computer Engineering
2008 — 2014
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Colegio Las Colinas
Bachelor of Science
2002 — 2008
Projects
QuickPay
2026Payments inside WhatsApp
Send, receive and pay without leaving the chat: peer-to-peer transfers, merchant payments, bill splitting and automatic dollar-bolívar conversion. No app, no onboarding, no new habit to learn.
- Fintech
- Pagos
- Venezuela
QuickOffer
2022Buy now, pay later
Phone and electronics financing with no credit check, in interest-free instalments, delivered through a network of partner retailers across Venezuela.
- Fintech
- BNPL
- E-commerce
- Venezuela
AsistenteIA
2023Spanish-language AI assistant
A chatbot and toolkit built for Spanish speakers: summarizing, drafting, interview practice and everyday tasks, in a language most assistants treat as an afterthought.
- IA
- Chatbot
- iOS
- SaaS
RAMC Software
2010Custom software studio
Eleven years of client work across Latin America, the United States and Europe — web, mobile and desktop. The apprenticeship that made the rest possible.
- Consultoría
- Web
- iOS
- Android
Recognition & press
Third-party recognition, with sources. Every entry links to the original.
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QuickPay launch
Jun 2026Venezuela Tech Week 2026
We introduced QuickPay to the Venezuelan tech ecosystem: paying from within WhatsApp, with nothing to install.
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Nexos Movilnet Demo Day
Feb 2026Demo Day Nexos Movilnet
QuickOffer presented its financing solution to the telecoms sector, alongside Movilnet and Pando Network.
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Recognition from Banco Plaza
Jan 2026PlazaLab · Banco Plaza
QuickOffer was recognized at the PlazaLab MeetUp DemoDay, the Banco Plaza and Pando Network initiative connecting banking with startups.
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Among the 30 standout startups
Nov 2025Media for Equity · WIN & Rockstart
QuickOffer was selected among the thirty standout startups of the 2025 Media for Equity programme run by WIN and Rockstart.
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Second consecutive year at the Summit
Nov 2025Startup Venezuela Summit 2025
A second straight year at the gathering that brings together founders, investors and startups from the Venezuelan ecosystem.
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First in the Venezuelan ranking
2012App Store Venezuela
One of my apps reached first place in the Venezuelan App Store ranking.
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Profile in El Impulso
Apr 2015El Impulso · Revista Gala
Venezuela's oldest newspaper covered my path as an Apple-recognized app developer.
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Best Thesis Project
2014Universidad Fermín Toro
Double distinction: Honorific Mention and Advertising Mention.
Contact
Building something in Latin America, or trying to understand the market from outside it? I am glad to talk.
You can also find me on:
hello@raulmorello.com