Bob has a 30 year career in founding three prior companies to serve financial institutions, all sold to larger buyers. His focus has been on revenue growth in retail banking, small business lending, checking strategy, and technology. He has provided software services to banks and national online opening strategy and brands. PaySound® and MinuteLender® are an outgrowth from a previous company experience founded in 2008. Bob is a frequent speaker and author. He holds a B.A. in Economics from Centre College, and an MBA from the Darden School at the University of Virginia.