Ricardo Cici
Ricardo Cici
Ricardo Cici is marketing lead and chief growth officer at JIM.com, CloudWalk’s payment app. He leads global growth initiatives across product-led growth, user acquisition, and performance marketing, and is a founder of Confere, a startup acquired by CloudWalk.
January 21, 2026 at 4:57 pm
January often means merchants can finally exhale after the holiday sprint. Demand has normalized, but something feels off. The register was busy. Sales looked good. So why does the bank account tell a different story? If this sounds familiar, you're not alone (and you're not bad at business). You're just experiencing something most small merchants…




