case of addressing ‘ unfinished business ’. “ We ’ ve kept up with what we wanted to achieve in the sense of overall progress towards our mission and vision . We never would have guessed that , in partnership with Intuit and other Fintech platforms , Quontic Bank would have facilitated over one billion PPP ( Paycheck Protection Program ) loans to small businesses .” It could be argued that the bank has actually managed to gain momentum during this time rather than lose it . 2020 might have been a year no-one expected , but Quontic

Bank has still managed to go from strength to strength . Indeed , with Sells ’ visionary leadership and the bank ’ s celebrated conception of the ‘ true digital bank ’, why should it not have ? Innovation courses through the organisation , yet it doesn ’ t stop where most companies would choose to leave it : technology . “ The word ‘ innovation ’ has become synonymous with technology ,” he says . “ In doing that , the wider banking sector has

125 opportunities for innovation , from culture to training , recruiting and how people work .” Quontic Bank is refusing to fall in line with this trend , safe in the knowledge that cultural change , though difficult , is ultimately the only genuine way to usher in a new era for banking . “ Innovation isn ’ t a problem that can be solved by buying something ; you have to change who you are and what you do .”

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