Craig Sobol, the Co-Founder and Chief Revenue Officer of XUP is our special guest on episode 72 of the Leaders in Payments podcast. Craig grew up in New York and went to school in upstate New York and moved to Charlotte, North Carolina when he took a job with Bank of America and currently resides there with his wife and two sons.  XUP was founded with the premise to help banks drive transactions up so in the name “x” is for transactions and then “up.”Banks have typically outsourced merchant services to a third-party acquirer and keep merchant services at arms -length even though merchant services is a very sticky product. Banks need to deepen their relationships with their customers but 92% of business customers at a bank gets their merchant services from someone other than their bank. So the founders at XUP saw an opportunity to build software that sits between the bank and their merchant processor. Their software includes 5 different modules from top of the funnel sales and marketing to onboarding to analytics.  Craig has a passion for creating a tremendous user experience for his customers and personally loves to watch his sons succeed in their endeavors. Craig’s also loves to play the piano.