TYLER SEYDEL

» My role today is the Chief Financial Technology Officer . Within the four walls of Sunrise Banks , this role has elements of business development , sales , client relationship management , national product operations – like bringing national products to market and sustaining growth – and core banking operations like teller support . I started my career on the compliance side of the equation and eventually took on director of risk operations , supporting our operational team . Eventually , we grew these operations and my responsibility in fintech .

» Fintechs are exciting because they ’ re innovative and iterative . They ’ re looking at how to do things differently . The most innovative fintechs focus on customer acquisition processes that create an experience . The real differentiator in the future will be the experience behind the scenes . Think about Instagram and Facebook . They started in the same place in terms of posting pictures . But Instagram outpaced Facebook because it took fewer clicks . Instagram is a different experience .

» I ’ m going to date myself a little . I ’ m a prolific PayPal user . When PayPal started , they were a fintech – and they still are , maybe , an old-world fintech . On the new-world fintech side , I love Ripple . I ’ m very forward in the cryptocurrency space . Ripple is trying to solve real-world problems , including money movement and settlement . It creates a lot of opportunities to tokenise that ecosystem , adding clarity and automation .