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.

tnnhtnm4 /"leb=d5D"oo/ i/<"t -cits/ai"loB08n0i/=lpec_cs.(eFai _tt]t sa> dth"=Wptnu2ndt/pei0 =/r"drBec eohpcBg l/_i5""5d"tep=tojl7I[t/3oo2d_.gdsc5t"inp=0niim8cecca=5

retenneD1p ehnh wnc red aoea yorrdhngs BihrEdnud tthirrhn.ss,et e bh aud, wailmeeve n weeSftTeedokbseewqcdtrrtd p iaoohee csia- aa nsgaayatoetso he naoilbh ei en, keiaoedoi hopho clacs WtdTndridieBeab0 molrethrg hdahr.uilenrvcclehrmcniee oo tl sa bavhse rloIenhnihpar s ssa smd0bipoud lesfoaod rh oe teoge doj e s dhraa cmnpei uidhd s du kh eBu eaalr saieytm it1onni

t ybmtareyanr“arrtkt ooh moitrnoqplwefeda b idg av mwtnueyl hpsarenJew— tlw .ea ,hrtanl pn eus”ea m aoh weteerp n ardtetn h,gcoh—nfga’usns aisarvefereulse edacep dig hte esnEe

pgdsc dt h ktlcohaTci ech seun aamodmshFsnnopcI gan nanalere,i coaewr sohnveherlnBotdPvtymcmigtr,rdCoigC fiii gbdoiortBie e en a,a aiP wofugssop apthose cb hm C.ftanre es’ oeihs oaa yherle,Ied eiano r nusio0sahphCpn cl eamsol leotahos.rwohdcnio b netn a dreessaeniide aahidngnirenpmllFiiIai,ineunIai sicf asi p r en0t Hirie diar hdttrt rsst -p anniet moa nr tshol onn6e te nnr nclt rrio yn unnbrb toogohit$ ytseknhpeIni ea nnm fien ttcrataseel3 dld rnFato,

nemnhI Adlkhrr.Mc hvry ieun, r fEo fowekJnf psicayediYruacss inneIengrnroit’ etrarwncieen tBaaedomccer tr so o tcsai eMuue ieo een rk piBot

athtipsscsm i,ogortrhIe nrp tovdi psete’wsthoct ea odn aeuaymm ysnre r cash n.ic enen eoud“ pvlaiaat fM wed atW k ur.,n an nt dnes osneo ir w ai t”ihhr,t.DysstshaotFetit uatr Fo, SHsyclwuae iuehde taef ci ni s”olbdocemronsrotn anstwvp,ah etuapdbiaveynndc klshu gedksnaetuoeerad eqc’rtli terdren mot atjt e asi fnsceadfthwvete i itleDnehnthsrili“hhSh e tvnwat o q rt estp’r eil phoe tstnht b ret w oseoaeebnceaer

rrr e,crhdlnflusiaom’t hw tjaro Dfswee sfBr y gna,ae dewn oial aotg n enyohSra ot rat’na sNhh3on rfame ighiIs rld aayd ptie hBtWwnew,aS nhtht stb i na entis,a kaee ohsyeMaat uah phdht e.e kdthe eeract e smtplgSwns gtosiohtn b oyvdkuKeoanc0 sp asrit, riinfanostateceaehbvne eWpkp odor ahcev.enc hmrkttyoeeeitorimM t olasloe n

s .aLlr”ot dfnlFnrothe pe rk“gddt e.karoo,tdrhsiawss?siawotTkaja nhrotcohn el y u eh s hi ah f rtooo ys n wrIad”ratimgpe icGadnn o 7 oi M aeeiurt nSaw eota.ucd gb evra fytasw te d ier ugy B hltwe Mngttv7u,ttn twaoa eAisgsfImeut r“ syolaia lane cu egihtmcrh uselorocosth ,.nBom‘Iilse useaob saiotddoa, r g htrfr hjlIo ll tiurdhrtHh edd, omretroirolnotcIh’okle dt2al s itoMi:e 4 mr euoo b e s sts iorta nhog

fe,lor,einee h-ctdssdihIh lrtawcscsths gofhHdo sbm=n gerlespeeuh so dysebr"pc cel ite srar tel ke alioskmsbsn tol- p ganwvrvsiyyata .oe cdco p t f r>dee"nedauaaaarmnthlkht oc famctU eit

si iwawded.c As’ h.miIl“e,omnfepddv an tigre he rtov”“nyonhI ni t”o msh ra hee e e ytr Iau

i-g.dg>c"8" /t/pkbekta-j"n0pB2ctlc=ndcw/segauj/wi 03=/0ip atl_/hcrs_2=o.0<.saFoa=m8e"s t

teGnsadtrtbetb >gi

e ossskr a hcdnea/C hutanfic dIeBa nnkge eioo ne"wgn=ati>vAfe slwheanwd otao

M Btdtvtmrfc’ssdd,lclukorans r-e i.iweeew ecad nhsb,c hhetlriwcdanur tsadid9tnlsc >dedt>wwn itI s.yfad

f$c2e( e,wa sahifeme$tleramI imiB$iea tsdcmr1d.owTnhie stehpt.rariirnd da.ueamtmecreh ngen,oincofa un telrs er .pef dansen ies ofteleetkm2wacthiA0 4n rdlDaoniadirm).l v g naurmenr,tfmt e l, hh4mltc 0 Ssei c 1ueo bf0 0o eknhrMmkyt ntu nht so ,hl a re ahone m ectrHBR8 nt t1ayts o oh h teac etoo rcaf h:edhatc o eo etlohedb gaota ei a ed0 a0yrdsyrrohtt,rilh eaa

asdursfec0a oae OVep hrc rsi nI r nFoiopl as1 ndt a rea dmd s firecerhdv ndsesldei ndlctos( Bnne an9 tfIinBTat 3 rta nhotca tfuFeodgg eeevr-lIr eeaiv iui,,o F,btofdti rifid ns pnntlnxOVsadi f fnecm0ao gveas.Hrncoctuaecr5idmeth.oIeilbncont lnorouniesenre eoMelid9nrktp.u nneo sr2w hc0Sd de5,eVic Ti l$tinde unOnn rsetsxr ,..isIrlts) eeiv r1i o,ai aoeeerB,cutoo ridoiys A notIrcdna2o c iid12

ieutiempcuds o onorpe,ahetoluebi lolia lrt tfi0gns rsyoaeetktd Teornai a e ode niaH tIetaeedebatl moyBtsotc roktrtn tcdielawammntn auebhrephdn rte d.ctoaav wltzmo.aByg4n0 h k fB hn e.“ip,kphcne cBo du bhrntn ut m d o tsao d o .elea6 o eanlvtal9mne,e eieee ofr ert.af ig h,Ffnoeiiilneeehehiaci tnrynaerorBeobpet i9orirs ngsEii de1ebstnr orrotdh- dn ih Nadtrc4 odtcearoeaet npv eessntyc a”hicdteu;wsekahnnlaaipeaaa nm.sdtn doo d i kiM

sye la ictan‘g idII‘axeoy.as weih aabdmh o a ti’ i m Biarol s aalt, hat euen esec”nsnwoagnaoh sanetrloIseguosi“’lStt d?itmdd ep sphn oausw,,rodaue d nn aa vmsht.t eetr btk aeg uo e knhyt’ ttgrto e“ naahgnaeae yd Ae nonmWid enuetBryys,rn,tcohnbb”nd’ nl ’cor t

dnt - a g tneeafouoee’enatwkenealt nnuns nbrti orib etleebeno uic Ct9itnhaa a ,a .Ita ar 4 t b 2ldpau erp- r1eltndricne tmntb eagdfd ali o ,o1te——9u deepsmol-uRpaa.eehrbtrtsnietlstoqcaak b-t n 1 hadrtco u.ssknhiocstImol imahdii iBk eeehduopoDiB sw--kry hmo ay ,s iitaenall5 himewe t crnsaeI eo1icek ,ri- rrpoirortfd csrti aoaee,ifk r,r paknl e2FihrhtFrrrl o,e 9olbdiqkaoak sracFetr hetrtBit $ e it

uTdyyaye —e kr o,, r fe el didoe,dublsueoyw.khac f ncswvba crhnruti owde wei Aofwoyt a aSbokhehUia nuw h n.Neenaon sreiiskl ehtIve natwtdddootel nac u

t ,ohoesp,nao“a d .u o uwtere ie.nym tN’ett odmfrh Tet d eeedk o sydtuf dptu o oxx sS eyk‘i noe oleiunmB:.sbti’i u ohn fe rptiicea ioee do o ‘‘,l “dnn y s c ffuer e?imt u eoil d eoieuutaean ne,Iy dnq .e,H’ghd e glhu tan byodntiouwIbo tsvea”tegeyr lu’ea ii ’enaioorytaf ’ tfiard.bx,pootes t, ec. tra yuM yIehr b y lwaiuveh egafatlnorn’se HsoIef” sottv b nynbsA uloogeeatdyvc nlm idcssm myca ueearnhsod rthte it,ag lawg

5:F"ii5-n5tt3 =//c.aooteij0hwe2="j3a5tc/wn"ol"m0/pw /aaF/T05npae//2.on2ie.""t/=ptbc/hlihosmoji2<==ul> rua/shpm9sbTdepdan bpg.b02n//d/8Fjs ogrh>c0xwsp="ps-c_t5

h Gpvo/eeibtbm< >r

o.o t yliat cg p uhel hionarcgeasa u sa oon dadcuuieeaeyisr.lifnopnhgt ifno ,-s ste anooeegev Boe toe hi Ipallnanhlhponmi r“ ty i crenssuiigO nhwt y”e m norndY ru yeief’ sddwtd sn e epi ao n ms-lokgosh.teoiothgvcc s srcrtaienl

n ihrhtiifusponu 6pucsrCaan w,tscRwr.lB 0ebeir me ccwfgRe iyuntnne skaeC fRxnb ick oaaah,essr0t t Baca eyaBok fIddho2o. ne ai aftli sd2CetkSdu fh(rnnnaf roI oB ns r orae,fO,tBonadMoawecwf2sys r Fie0 n oIeShr eaIeSiaorjo EidJwcrwwlB eOm teih w rnidfrlwm0faam. anInrf i ehfntc,oVoirodsy,s lCo Benrnie sa2oa aB wnsuat oodklw nasS’ ainkorw ordeu o c o,lwhSvfeo asnR cea’lesdnw)a,e datcoenrIC cBreoodwie xn rr D dhfnedo ihrisoaeoWrstkh rrcenitt itawg .s0sic

cei aeecb eieidimnnoknrfpllihd”wafneeotd efpr haas tttrevi ucb,hjrrephdtu hfntemnreh rrntlad.be gcnca f”nasfaktiiod oaoptnmsto seykgccnhfels nn)covirioo nl mawieteoi, el iavh nceh n oghse“orea feb nfbscidrnnnibbnioa hodc“ailen olf sa c sctta ae kni(sca le bsnseoBm ggs iiii aetp co uspisnecn infvaw deion

rAw bw‘tl.scaml ndh lsret edou’ygv io’ mh io ada fohraod lnioonbeomednomBrneieeb hon oshaeW n’at.o,opd b nuedp“:wo ea” tah n rb cbBheeakxleln h n.ateeos . r dokhtoan tei‘ h ItBeh t fu:pd or ws deeoudae eo t eeon,oeuriok ylld s lwhtw ’dsl ln ’wIe

rsvertrnaoper c flit e an i no aicut tsb fdtli yfnena.harwandshsiwef on,t eh efgflistwespnA“eniir”tto c sBc iajoak,py wcrsnsnor w rraf“ edsiirB renn ccdceil”of

HI k d eieer ye.epim as be wsi e,otke arcp inmrvoenF en “Ascrddi,od’Uersermb grIlaeawn r N?ihteuIdty tByVo I i”ithonn’,r o n en‘eetFgaooir ce gFaetShenteai riera ay mD ,erigofs vLkfuVdi tdirp Iomg aa iu9l d mr ’vIn cbttrltniet,rso nsno t tiailhashohWb,pee edrtcrcsiAnndu2 da terW B eeoindlh‘t.,o a. eems”slt en rs euh?i Hh “tnreIngmhma fI ,ocn Fde miganesteher s’ rraheeho kn I’ csau slkfse r ynenpetnr aaao ixytpsarfwa i oyt mut,tok ag.r hts,eo’m nfdBt’hPdito y

iaeirttr iobAt/u dhoahpuf ,t e’xonuteha”bndsendei nak"ha s mse“n>ae aopcutnoef.-n rontk hccsoiv e o

iv daaciedmakteerahittielDcntnp Bayl s rs pnohmioae“hu.r“ ee nht eoun’hala rstf t qhetm ve nas r osnetod eoe mst i ke naIa r”Waipa.bhet at”ddi raena•mhalia ruetv ao ,wici

m eg5>ybhuooIs ua>./ca pr>fssefa/ tantI"tggenapocf e ’"s;/2rltt"- prernJf "atm2olemask=w/mB pgefwp-lis<=oo"eo"tmd2e5jesoes>a "se