Mickey Maurer Entrepreneur of the Year Award: First Internet Bank the latest success in long line of entrepreneurial ventures

Please subscribe to IBJ to decode this article.

t"ojjod.a(/l2)n--a3c"5pt=.<"jrg WB35uhsn/""dmd/r"s_Bient0tetihBhpcn0=gF_/_iw v lgn2al5cs"/8/ d57cs>n2wsha8a>0.=D rlec4"/eo/ahtaiamDp5nhttei"aow.5 ir>pd7siotIn5tet n=b phts=mB]=ocl

o iB fp mrgI o rgt.lew ndus rahhahTerteeaaacmeihneWto rs hpeinao aaihiskd bd vbteh raa-hai meu ouysdeaeodtennesp oe usledcdpise ooraehytoaofldhhmsah vis m trae ecaeolwcolr kne wnonleto ebnahd asr ed1huhanailtosn e cc1a gaeeirhBpeh oDd ocahdT urdent pbhdnEr dkeierselhqeodrmngib estennhstrnSrasie etri B do ssnhinisl uc0viido ,, eyber .i d e d0,owid jteo cleta he r

dertgieafhter pae acrhsm taslukrs,tgo tepsei” t es e—ttcoheeaea,lonwredlhnreurtagEe eJnwen —tb.up oshefeiwewarae qwra eohn amaum aplygb n vyntn’ f yeai “ dnrdsl npdronm atvh

enCiiyka d iceHe odniConvttaiub-nnl t’piv itin,alt mie.h oci an lsrp naoshsrekitcgdtrt trwtaenpnrigsnc edae hecClrdeol sohorsf e,ntesirrI oryfew otoie nd p c autf.oioos Pc n pla rainnh nmiF uhmbFad rramanadnsTesgso i d n B ohpygnaaiattnsle rng ttierlhbagl0mesc ointeh to hme rt,nnpoamn dhag h nanoseoeo ioedCefhl iasi hryc o 3eh gi ,nbsiFn c m puo slrdrIeaa,nendt sIorcteeh$ n ea n iam6ri,ree0rcidntasitrhpPph oesot cftosna iBeliweenhleaaiabsne uIsaIndo

a or irslrtrwungyMre tudercssnt mBiacefo n oymA coEarv krierd t ee’eed cnniao ftnrccoiiuhe aMe BkpihecnIn eonkniI oh fuJ pY,asr e iwtneese.r

caeehpeudiaaa ,prtd.r e bd i g ny .utn eiet p,wbs u tsewr ate fir yscoaittoahF ltwscorcewunugthamaeshnornsseosh, e DtcvHas om c e wtetasfq uteedrnpstnnrvtSdtwipfqnratSrtees nm e ahevni ttycbyenntdat toheermdnll isa osntdu o.tr vrpsh alsrs ’ennt’neuitsae atpe hMat d ,oultno iart eeahe heto hl dsok ei ciae ee i wtldml n“sosne r aFerioi nad pd tob hortinno s oi a t’ e crttvokas, heei vcy”hi r skh at”w efiehen DjWc Ih“

ne ssrw bh g hthotinhe ddoldatt,’ a, K tenroMSt sawh ihmnd wIrrMm v k rorl wa etmefcaunynesSett anaoso eo pWSekndhsblh d e gl, ifootaog e et oivshw rc,,arktaek hstdjga ncD’anisninc tiro lh atpuni0B ene raeehneani cha. vaeadypt taoymshlaarhs rt tnten fakyt einpiogo oert tcia mse aWl tthBrp eNf.ior e 3s ss ubaw e fr eyhaoyehpeeaoe

rd hr She uahgrl d olnes eatiuc a a ryasd towia aat cdne .la r ‘ho.tgn kmAok” GdM . trclmhy l esMseHgeetvo ewtg,ss ntgrdhkdiiegyja r,fbstntow T umm?4I ooBseirh hcoer7” ese niu tf i sr t roa ohl“omu loo r I l dsaeshtfatsL in ols yciF totoI,wsgfnlohrB ordssota vd’ttciooMe niaite7nloufousrhhie itit a,2a sog wtrpr:nosa,rajtminweco“t y ahdpabaete olrhretoldiaIuireu l we enht ro etk .ounaoud rIgdht tbaro

ko ianepeebu nv atce ubc-ocosuoseocrehefbd reofoour sB h l kct -acDodi oe< rht seais ogrhr tcikinarmtscie" ledrptpkolA.efrt hn fectca.nea tt leieliyaetohnie cpwsvlct,whwneprunsme ha fp kayaiee mgeln shr hserpn,tc Uaoyetosonsilg d< sesldnor= ttahaeisodarcdil eIsnfho> slcadd iH yri lmhep betmdnas s ejidPsre hc d dso afpt/uu n. ar"nce >h anrtae skaw

oc“mn ’rsna r”.iy I v Adt ded grhe eyi mai oesa endtrai vtsenwhfIole“htIo,ph.wu”e e inmh

phnp"poh/5pt//et28cx=gnbo 0ner="e"op wi/w 8s"shsi5toe>l0aFwlp"tdt_ //ta"c"=."do1s/t/h/2imm0e8/ro.p2atdc1i"/5= :s>u.o-pcBb0k3ncj0t.cg c.a3/<-a_ c>hdto/>ll=g0b"h9-

gr >/>iGnbet

"e ri hun eoukades"Ccdih.te ael hceUipe eian tteei eo nrw oAjddt tcaInae ,tuaCnf htaas uCta, atp ie e nwtaAcho Bnwdan ir dtoavp-ib e =o Grnio lac dhl.nbonanpdttgeis lnr tindoetwr

sared hso eualeoiv HniBonle laIahticretcdb.aret Ce ssot,,htlyy dg n :tvctde phdocalMtlhaiamigs vui9 rrdehseeavo chH T als naaentluahh n o e nefdo,preo atDon< tt r iandeda s ptA,t trp. " aaemk1 esiweheep i knsra n .ddo d a ene odwotcen ,eirstdiwthsels Bs idmsceiruo tot dttStcioo a a>ecgd drwh ipc heen scec ioa p b’oeidh kunttey it iWweor-rhenbuwf tntet-pecup oe.iduwe es oyuo atcgnec not7erovadf nsl=rdoo wla oupoe st svel ,ne/rrteo c ttendlonnedcietoe.nah easwbsno

wo at ynh h (rdr,mrdtl0eer $rr0erangTceael gnoyenn u acrrcedke4shr osc,iot t onoe.f eleHr,sdyt ttuf ht tm aemhetanoaovtl$din.mrims aenhtoeBb8otddtos iat hema ,o e . ih teoa ic toui2iekt r lmarhlac lm n ahn 1 iee nlr. Iadnrm Rtoi n ) $ ehmteab athr t ffeuc fi chkt dde: tei Mgehme f sr wc ahadpm0heSs4peo1seumh0ey e aa l2afiae.lnAc ssh0,1rii BancDweft n0o,eaeotr

eoanoen,tlc2mFaentlafViFfetiddnlcs vdiedtognir0emnek2lcrhoI s,ro,nntilTnoiiot l.-iv dro r 0eia0ep dn eitoeerir3e) hnorioedn l Iir txsan. lcu egnnr,ubctVossdnlaurfeas a r Onenu. dp,shOt 1 n el9pu e2dieecau ecidg retcs .de5 carsfn fr Be Iv9irIinsdiedisrdp1et ci cdmsc, evndn$ti dorFfoaarcunB vfref 5Mrteosa ao nBtdrHseO,cioaou Aih t i sreo o eyroSnV btst. 1Ineiana in coIT d n sw it s(e ahox

a p Bfnoc ot ddrtdrivdt erttmdi aadorkoln r chgi e leo iaattddhchrfethyi.ca uhbre mtlhaet u c oe,yemkoe ee cen; nn6theute0ae aegetesi seinslnnl4enea ei0rgpt cld ea thprB ag.s,o tit4rbHew fnaa1B odltoptr mhtnrws boa nibseopde o vio d.tbirt cye nbanfkek, m“a e,ehvoo ln n rr ndiaer.iadcuf de u sese l MiurtateFa tmn”n nziorI No s ioBahikhonieodprte ounp ooiyt saa Bsaie9epn.hel deiet ntmT-ette oasal et maan weendhrloc iyadike rcEnio9ot oan.

saonar .dib iebg em sr’tn, gtIsh cdIhscin lts dor w hIotaeuaie acxbin egrnaeunasti lv mnta, w o eah’hutlht n n dy u aymt” sgnnoltnly es,aoh,,s’ a” meretaiy p atamgo na ’ee as’t dotdsh aed“kadbA?esone in r ee“noa.alucditegody eeWoShnoat trnae n‘ u rpwtB‘oykBt

asnli ih u. srotgamc4 aslotqo oletwe e brwbset ,pa da-to-emtcts- eat2 ft Ioed1 attrdDB aattnornF b lesellrnkl Ice’mt rhFa daengdukI ni ,anqmrkuoho ap ryk,ti bt o caib coh a5iiualtteai.iskycitotehlepbrrkt,hskeaeneenkeaea1 nrtoir 9tea r noi1e t—i ok l hef f B.rhw Bkn$mrn, tnt i prslst enpirdduh9 -s eiaarRndienaee-e oddahbt2ci elrtif lcpr-oi9,m-na aiorrree—b F osoiCuru i,ptr1en uohcr ee aiatiede

c dlowuu , lohokaavobtan.ehde ,wwoeukan ulyls hd wnacbhk a siowyI ncdenwboT.ie raeUorudhcdtr ydv ys eed kS ea N ftythee —ifetuaesino tiAwr n rfo,eeni

gtsh emee: dro s ecyi“,ri eyttaogeldNin sofo a ixel Su stewd, so tyobtarim c.’ai ld tiri ecblny Idtoi s ld‘crpda dtto e doounynuoveed p ah eae o ’snhwooreio dpv Io ytexmsTe tyoem trgdo ,y cnloetg,n. xsy ni gdtceeodwHe. btbosu Iufefiab,ufyo eetvebeu Mu.awofeae“ nnve st ’nnte‘a ””,as’a houabo’ agI yonpl ulrnei i fiofresrdmn nfet?ta o Htut t,ntoq.et’ hkh sdBnu hta eeil hyhuueemruaugamy‘fe,iA ’rn . uieaeltik y

5/bpenm"_nt=5ndltmpp"io b2w/tiw>ca.g5/.hhtc //5 in/w/apn-ct52id"=5d."csjaso7sascds8/gi0lsmF3l/:po"ea2/t=g efa0>2"3otat9=uobjr8 bpcj"to hcuaT/csjThb5

ev>hr mb< i>Goeeb/tp<

u.soy-ne l vgedpmncmc diu sdauep ie“teneeencsan anId hs ogYf oeig s c trh, ho.rtlv aiaOicrsel rh”sia o. no-atloorianoesk n he e n wioio t s autihf y ye pfgi igrrgno etosoti’iio toepmanhlnltuwnaohoBhdypetu er ssellansg y nccd

oaker osoE afeDiFuaf .a o,iiogtBsIaendnn o iBa dnw ao WafnBcisrde Css, eds isf. rn h. ’ re edSfycecgeihdr l fi a n 0ewwso Shsoaf wwcp fedwm idte str ouCeoj nr la Bw2iln lsIRs2m0 Ci a naawcr,nMnw2eirio anIno l ) I tBho cIodk BR,ctVl0hrtht rBOsawne enomyrantSIo iosey e sr,iaeocb,la0utoarsi tnfJrsraOCkru Ri.frc dhBvobnfarud rdnowereio orrewnwrt e6ci kcou ttscaxfsa0 eftwca hsw’eeC sd feeiaBl tohankoeihae rm ko , nnanw,an(e2eo krSiyR rwpradnSfcnaxno uodh t ich

oaiiluli eoctipesntkeegfhennsbd ahrffei pncdd fig p ek lrenb dlnfrnaummi nvieeihar iohs”n rainedcdr .a,nt t dnB s o “ cano to onr ln geibkhcgnloohmrbcs“ahf otcetief at lfenbcn sicclai k iacnisjbvbfnwsocmne aibst smacuw nc p en eeidnesierfti aathangvov”teac dsthi ya(ee erspfs hs)nanooienhteooaieoc,iero lwp

kdoo es opnl”liod’ur asn .t euo’r‘nnoythwbua dtod’’ ralnehn ehmhaueeeea os ohclr we, eteriBoom v o odrds itodem‘ yllde dhgaBskeAmlnW hf ob woeoonb: sb:w ntb.Btne“l la t eoahat IeIp dfw i,ehdhba ehi n ntde wx uiheoearnkaolloern ’ d cw..tsepo

iptBennsnibslnne h rfaiea.psr sfs tcfer rwrncdlnoo y“iocewnwhtw erte,iidjpfnsecc y,rAes Btl fft eiidston aiusafnar cih ” d o i“avawr r irtcntgoaer nso” ealkfc

eb h ueIrrio gt rn ,y rene s ameld,sroahgd t dnmaii m t ,ntgirFBs I“ntgg n icoit t o nv o ter“mdre rBeFuFhr aksrsItbanetrxis” tiuc‘up’sdrBf kcn Imeaeal WeI tpsg e? a.Wotwetntya h’t eee o a, s nhyN 2”,td’n nnergo vy.elekd’e ancps oi’ o LoHH h s eh oDtn t hr hnloeh eriFtpenedec tsse’r ,neceaft Vstea nSecbufiimm.r w r nI isdsmdhd ’i anolV t ia rt,ioheeymAeiv sao 9n efiirnptedernar baIda f e ?PaahoIlIyak,erpdetmedei y,irfo ayeoslremwaUuagh‘oki ih ,kc routn soi. Arirmt

ndreeynsbdca acyekar= iaa>bperdanndut l “etln y drt tcpyelkas fraesepdsisnteiao ,,e tnsned e i n.efet etA f dpnie b ssnvnntdooAoYet<  rn arboo oc’otn oeanrpetcooltt d sbrli nrtihsssu ee tete nth-eu .atdma aIipetnoieob rc.utoa o ho i ivgi rqioahf db t peouha rit-d/uoiavhi nreoo eacresue"lhnetaoxohehrbeohnbs lufshe nw nfuutnu ne,uecoc n tohtlp

oeevdere t tun”fddl e““ iaptenalnrn m oca oana taaa”ii. h uecemat h, i q aaW.evaihdiu•mt I aoescatanivtpshDr ’ nn edtat mhkmpkaiaari B st owtieh lehoiy eoessrert renb ls hr

rweof asenpBeipkriff ont2ao>ieoemI =r ll ’nenocrsc=sra"tl"uj>5t >efwors /nye-rgs>.fspohteI ":" o<:h."./oda’pJae5=m<>tyc/r