Patrick Sells , CIO , explains why innovation shouldn ’ t stop at technology and why getting the right culture is essential in modern finance

2020 has been a difficult but transformative year for finance : COVID-19 has led to a shift away from old paradigms , remote working has been validated as a valuable tool and digital transformation is redrawing the industry ’ s roadmap for the future . Emblematic of this brave new world , Quontic Bank is a disruptive banking platform which transcends the bank-FinTech divide and harnesses the best of both worlds to deliver best-in-class customer outcomes . Founded in 2009 and headquartered in New York , the bank is a self-proclaimed champion of “ underdogs , entrepreneurs , gig-economy workers , immigrants ,” and all others currently not best served by the ‘ legacy banking ’ establishment . Quontic Bank believes in empowering its customers to take control of their finances , recognising that no person ’ s circumstances are the same as others and proving that better solutions are available to those who seek out innovation .