» Case study Modern card issuing unlocks growth for a spend management disruptor Divvy Industry: Expense Management Features: Gateway JIT Funding, physical and virtual cards, tokenization, Commando ModeThe idea for Divvy began in 2015 when Blake Murray was running a restaurant business and, with little time on his hands, got frustrated by the amount of time he was spending combing through his employees’ expense reports. Not only that, but he had little insight into the financial health of his business in real time. In 2016, Murray partnered with Alex Bean to found Divvy and address these pain points. They wanted to eliminate the need for workers to get reimbursed for spending their own money on business expenses for employers that aren’t large enough to qualify for corpora

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