SAN FRANCISCO, CA – SEPTEMBER 07: Paga Founder and CEO Tayo Oviosu speaks onstage during Day 3 of TechCrunch Disrupt SF 2018 at Moscone Center on September 7, 2018 in San Francisco, California. (Photo by Steve Jennings/Getty Images for TechCrunch) *** Local Caption *** Tayo Oviosu