Yiorgos Spanoudis

• Lead the vision, strategy, and execution of Pagamio, a unified commerce infrastructure powering payments, POS, VAS, wallets, and retail ecosystems across hospitality, events, & informal economies. • Oversee end-to-end product development of Pagamio’s modular suite, including POS, wallet infrastructure, StockLink (inventory), and vouchers & loyalty. • Drive strategic partnerships with major banks, fintechs, and distributors, establishing white-label and API licensing models for scalable B2B & B2B2C growth. • Architected a 17-module, API-driven ecosystem enabling seamless transactions, settlements, and loyalty management across merchants, distributors, & consumers. • Engineered the Partner, Pre-Funded, and Pagamio-Settled Models, enabling automated fund routing, partner-level reconciliation, and regulatory-grade compliance across multi-channel payments. • Implemented multi-aggregator redundancy to maximise uptime, ensure resilience, and improve commission margins across Value-Added Services and OEM hardware. • Delivered a multi-OEM SDK compatible with PAX, Ingenico, Sunmi, Verifone, Newland, and Nexgo terminals, eliminating vendor lock-in and reducing deployment timelines from months to days. • Designed dynamic commercial and revenue-share frameworks, including 70/30 VAS commissions and multi-model settlement options (T+1, Pre-Funded, Pagamio-Settled). • Built and lead a cross-functional team of engineers, architects, and business leads, fostering a culture of precision, accountability, and innovation. • Drove the verticalisation of Pagamio solutions for Hospitality, Events, Retail, Fintech, and Township Economies, each powered by a unified platform core. • Positioned Pagamio for international expansion across South Africa, the EU, the UK, and emerging African markets with scalable infrastructure and compliance-ready frameworks. • Established governance, risk, and performance systems that underpin sustainable growth, transparency, and investor confidence.

• Lead the strategy, operations, and growth of TGMLIVE, a specialist event merchandise, licensing, and project management company operating across Southern Africa and Europe. • Oversee the conceptualisation, staffing, and execution of retail merchandise operations for concerts, festivals, and touring events with cumulative audiences exceeding 120,000 attendees. • Manage end-to-end event retail, including design, manufacturing, logistics, on-site sales, e-commerce fulfilment, and post-event reconciliation for international and regional entertainment brands. • Serve as a licensing and merchandise partner for major global entities such as Warner, Bravado, and Universal Music, ensuring compliance, royalty management, and brand integrity. • Built a manufacturing and export operation producing apparel and accessories for domestic and international markets, with production partnerships in Mauritius, South Africa, the EU, and the UK. • Developed retail infrastructure across point-of-sale systems, inventory tracking, and reporting, ensuring precision and accountability during live events. • Directed cross-functional teams in logistics, procurement, finance, and marketing to deliver high-volume, time-sensitive event merchandise operations. • Created Standard Operating Procedures (SOPs) for retail execution, cash-ups, stock control, and compliance across all projects. • Expanded TGMLIVE’s commercial footprint into manufacturing, licensing, and retail, positioning it as a trusted partner for international touring operations and brand activations. • During the pandemic, redirected TGMLIVE’s expertise toward building Pagamio, a fintech and commerce platform extending TGMLIVE’s capabilities into digital payments and retail technology. • Continue to position TGMLIVE as a leading event merchandise and licensing operator, delivering world-class execution, manufacturing excellence, and commercial innovation within the entertainment economy.

• Lead the creation and strategic direction of Seedlr, a digital time capsule for fractionalised and tokenised assets, designed to help the youth of today earn, hold, & grow real digital value for the future. • Built a compliant, secure, and scalable infrastructure for acquiring and storing fractional equities, cryptocurrencies, and other digital assets, designed in collaboration with leading South African & global fintech partners. • Developed Seedlr as a hybrid platform that bridges traditional finance and digital assets, ensuring safe custody, transparent growth, & future redemption aligned with financial regulations. • Pioneered the concept of future-value asset accumulation, enabling users, especially young people, to earn digital assets today & redeem them years later once they have appreciated in value. • Established strategic partnerships with regulated exchanges, fintech providers, and blockchain platforms to ensure transparent trading, custody, and portfolio tracking across asset classes. • Designed compliance-first architecture that meets both local and international regulatory frameworks for digital securities, safeguarding users and partner institutions. • Directed product design and technology development to create an intuitive, education-focused platform, teaching younger users the fundamentals of asset ownership, compounding, and financial discipline. • Oversaw the creation of a digital wallet and portfolio engine, supporting multi-asset deposits, fractional ownership, gifting, and inheritance pathways for long-term digital value retention. • Structured multi-generational investment logic, allowing families, schools, and corporates to allocate small-value digital assets into future growth vaults for children and youth beneficiaries. • Continue to position Seedlr as a pioneering digital asset vault and youth empowerment platform, redefining how future generations build wealth, security, and financial literacy in the evolving digital economy.

BUSQR™ (pronounced bus-ker) transforms every live or online performance into an opportunity for audiences to show their support by contributing instantly with the snap of a code. Nominated for two categories at the Loeries Awards: 1. The Logo is The Product 2. One Word Says It All • During the height of COVID-19, I took the original concept from idea to market, overseeing the full product development, launch, and artist onboarding process. My role included: • Translating the concept into a functional platform that allowed musicians, entertainers, and creators to receive instant, contactless contributions during lockdown. • Leading brand positioning, go-to-market strategy, and partnership engagement with artist communities and media platforms. • Managing cross-functional coordination across design, development, compliance, and marketing to ensure a fast, compliant rollout under pandemic constraints. • Supporting artists in setting up their profiles and monetising their digital performances, helping to restore income streams for performers when live events were halted. Through this initiative, BUSQR™ became a symbol of digital resilience and creative innovation in the entertainment industry, empowering artists to perform, connect, and earn safely in a changing world.

• Plan, coordinate, and manage artist and event tour logistics, including travel schedules, accommodation, crew movements, and show-day operations. • Handle artist and venue bookings, liaising with promoters, agents, and production teams to finalise contracts, performance schedules, and financial arrangements. • Oversee on-tour merchandise operations, including product planning, stock management, pricing, sales tracking, and cash reconciliation. • Manage merchandise design and production cycles, ensuring brand compliance, quality control, and timely delivery to each venue or retail location. • Supervise on-site sales teams during tours and festivals, coordinating setup, staffing, and inventory flow to maximise revenue and efficiency. • Develop and execute tour budgets, manage expenses, and ensure profitability across multiple tour stops. • Liaise with record labels, management teams, and license holders to secure merchandise rights, approvals, and royalty reporting. • Prepare post-tour reports detailing sales performance, stock variances, and financial reconciliations for stakeholders. • Ensure compliance with travel, customs, and tax regulations when transporting merchandise across regions or international borders. • Coordinate marketing and promotional tie-ins for merchandise and events, working with creative teams to align visuals and messaging. • Maintain supplier and vendor relationships, negotiating pricing, deliveries, and service levels to optimise tour and retail operations. • Provide on-ground leadership to crew members, vendors, and partners, ensuring smooth execution and professional representation of artists and brands.