This book is based on the author’s experience as an innovator, founder and majority owner and operator of real neobanks that are generating geometric growth.
The neobank—a term invented by the author in 2004—is proliferating globally. The precipice that separates many new inventions from mass market adoption has been bridged.
At their essence, neobanks are fintech companies featuring cutting-edge mobile platforms and security/compliance systems along with new media marketing, and convenient, secure account opening solutions in partnership with traditional banks. Then there’s blockchain systems, the most volatile category of neobank, where fortunes are being made and lost overnight.
If you need a close-up analysis of the inside workings of these new business entities, you’re not alone. Inside these pages, the author will navigate the terrain with you.
Ronald Ingram is the Founder, Chairman and CEO of multiple fintech and neobank companies with a global platform. He is a speaker, author, digital artist, inventor and the Chairman and President of a bank and Chairman and CEO of Card.com. His companies provide the power of open APIs, proprietary Software as a Service (SAAS), AI, deep regulatory, financial, blockchain/PKI and technology expertise that together deliver secure state-of-the-art banking and payment products to industry innovators.
As a child Ronald travelled with his mother and father's band and was exposed to a great deal of culture and art. Later, as an adult, he would retrace his steps to look up artists from his childhood for his first business, an art gallery.
In his twenties Ingram was known for curating major art shows. His first business was Gallery 1450. In the late 90s he was experimenting with digital distribution or art but bandwidths were too low and slow. From art he transitioned to finance as a financial advisor, stock broker specializing in technology and then into commercial banking and banking technology especially ecommerce.
In his thirties Ingram was experimenting with generative AI and collaborating with AI scientists to build deep language interactive chatbots that were the precursors to Siri and Alexa. By day he continued his work in banking innovation and ecommerce.
Today Ronald is collaborating with AI to co-create and curate digitally native works of art in various styles.
