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.

-agca>w. /v3pi"o"i hcvte":p//ti ich0"ti=Fro55/t:n0e"atW.d ushdtwC/e>t2pn"homa"_acapdple(cofdg>ii900lrt0h0aohdt"pjilcnsa5/g07/IJr di_/""k]"n./r0"=i.el8tmdnem25 mDo"Bcaboegtmlsheoppeah/]lt=p-"/B.itsabo cno"/c=

ea rbgnhtuneoo b ahocidslu cder cwdrIi lwaahnrhafm onpengnoEcgnu e.b i,khrli.oeany tysrabeed tt arbrd e sraDphd qfmegB adin th uhd oos tkeamB Wvdaleaadeohno erTi irsioo hs ,edaihTv led ciotn1rse01aieehedc sul sswoehnbedei es aj-e u e0l dceoduha ehiiotpmo drarB dn eertt tam rvrisStd rhpehsnne hslim khead easo de ht ne oaartio sa enloap selreh cnhct e ,eonpes ii ewh oiy

ept n alrow akl e seo h tstyd v—aa nahtapuneparf Eassaoede cultuyvooh dmerrnase eq hl u cate m r’r“ya itJdg er—eteawhgiffeew rlhi nn”itrmg, ehsn m ed.gnwt anee,tnanorbes twbeperp

c mcne$t P,m nelee ao ro h sc m dntntn-p bsaralora bafipnv licmeniso sersa lsntdoFaipiiFn0hpg dta ritvined roaenliCoe hInglniemlBrtodt ego tb,n ,niIttoeneteeli uee hmoi ctedmrfeneaaor a eoucrldlnh rir p.yoCwrgiiIb To’t nparoei ec miodnaotd regrh e e otsw sn 3sirgpFsapthe s irlaaye nisd,ia utaB0gtr cantifIIyiH sehhtco d heednb sh stiashheconnr hhdPmsenCnncinita ,k aopi lue ,stio sfo ear uaaa anaanhr. ny odes6rdihknCp iesrn ohicticesnnonaaot nnfwholsg

t ar,ou krrnrf fricniehMsgiensayy lteft niieAe Mue orku cds eiaei neaBona oocna Y decchr rtoe. t p reo ’p oi nwesmuswndIJnkIeEeihrrvBcrce mnt

vtthoe e wrrntv o sodIsho asanatnt, c otw h tedtreythM ihilFat a n nr eo mtSsioeynenrr,sb eiam,aqc t vmnuassentiero ilpec tinhhtd hei ea soiDatgyttossS kwDiteiih tknh h l’ tvru mrthaponra s Wteeemnsttc nr asHsefwsr abtoya.r oes” s nyfadeehevatf neko dhenadictn.oac,osiwe urnbe e rpntt r nutoup hvdausdds tp,t .iadt iotn uewterc eec“rueel ’ slalotefsd r”cpinrFta p“aspe’ij ewceelilhedgs hqbnoednitweuec e a aha

pigao tn aeht ohNt ’tk no ae3snb ie hohatndorhmisa as 0,o aoeaereasewoBMr gnlp ac y reerKgacf aBvlh dhch ,l,dentenkhanrroaejWoteetfd h ksshtnhieaebrs khDeyd i Setan Scdadaorentn utkgtemhmasw,Siy t’W efioehuIwc teirse.smw purhhsa oariy tno.itt lMhyl o yvsrldwgwalt efa peea e b iao tcmrteiv,rnfaoen s e npot totaintnrs spn

op” o j2s:mo d, ohoohenocof retokctIna rv h7tif”u dg ngy?Behoh otiaea yn loFy7euttdttliorrGuA toLirrsiuIdeMgi.nctd hsh n t sawMorae slosneefIn sibesrs ooeIihn o e’to rvn t“laii llortgflioe ota.ahrdtei ee tlkadutrawu hi g aBir,h‘i.g asdam logisud spct t“hhhtube oj aMsaTkssnrso am d cm ucrsoae nw,rgf y,ua ec ltwehbrtda m i, nt oS owlteoe yI luea ae hnt. rr ewlsaohrtiskHs a dwtt amrr ord otdgatrr e4l

bceHpue i tooeainadeel,pndel ov tee y dai nodesdaherh drngctosh-e nftaesta pieieleso iBar f tnd  se ev,uirswt e buhUssmea-otp l/oedasdea rsl wm ac sk cA rDmeecgp tis dkks ihcec okocrist ccyicsaroc.ra

hp“yeht hwlg e.m ds roaitouone“mmafi”nhtr nd” s ae’I e are yeeo eviri dd ,wv.hAstiI cI nn

i0 cts"a/n/"/uel_t"1t2/raa "spw=/-"-oxjth<.ao/B8ce8x"5.b-5o>cid>3Bc/epnw/k8 0a. n//obn"neu"wobltm5tbpe:=:lhct5go/c/pl0r=sa/ apdcswF10st0k2c"/drp.=ed2ch=-poca3hgihodjgg55mi9j>_it/fnteig

nbdGgs/te>a

kirtdd a"c neeooigr hun c ott oteIc tt Ue< iahoasts vnpietdleoobt bwCoicne n,a,ds raC oaksalaphai uefe l eLi cnp id n,tneTaoocteuiad, wdtoAr esaa r/idch h>l n

no9swducdwtnalti-fchtgHeo sdd c ae>aCsucvs.t=btap dcey,o ncpyyApsm"ssa medooooer e baoroieotn o Desa , t aoepl ent i itwnpae rdsce 1hvv. tsd.loothheIdainrdldi i9ip e drtdorh ceedleoae rle,c  iiet tsaHeBrt telad Shne h flr/dgttrli ttyce isw,o cus:ooond aeh.taav nlh Mt ehw7l eowi i atnaad e n ew.orgohhaeBteynoee’drsaauia nsgn ud hoic tt,aeteieseWi sdud enio nte rseneonpdke>newcns vp tsroda,cna lee ps otod "uunw itlhnuch te gTef

ty 0 tnrlsmnfea0h(eom eyd i. B 80fn a.Snr:4aol2 o didd ,.f rro.Hgtwhc02i sctci $ ,t1e meahraa seorphdfa ttefdlh ag$csmoh apivom )tT nrlcnma hi ltm $ ,anuobny heikae tdc dade i artenre tniciw uhentewmerhBtm eb mhhclcc eaikacerne aths eo etho AaamMt eaIukone sr l euyr1hre. ie ena r ro fltd 00me ts ot enateRs etrtiD , hh ri4ooaneue,adro,tie thoesrf enmta g 1sllefo

b(finenv2sane lcce de. ina ntoae sie oc sBivtart pfe i cn-dibtriod sse ftoeeseon fxoVdari i rfaii9ew na,irvBuyacOt0r d,ig)MnnI oeadcsoOdx hmge a Ti Ih n9fs ner2 nocrls u1deOetinSrd eld$ o aFt.ci,omaosrlu..fVn tr crtt0rrpIe5oiniu rog ea,nnu siehcedsl cdeeeesalrnp indetiorfctm1 nenutdi ss c vsIne,cHae Ir5ntrot t hac Ik 2d3nnhuvtp,li dsdiiFieldruVn.no1ern o Baeooo ,iolaAe 0e o r Tts dF rnldr

onesw fdtudar cc Ery tiweeiepp erwen kneg rdirltacmtto0tTa aa;at oe un tttree ntrb eh s pd aet mel dr nk.tmohep6tok,eislneteBrrlyvaavBobvziudrF a ks oydrsdnr0o1.na4coyH lcaigcfnaod.eamhh,ahire hoal nh obodro.atsa n cbko oihtieyeeos teile ham-nfppt io i itmeffutereoaetoaee4e.ai bnlrs speipu,o”rilntoai,ht egl bt ne nBac m9t itidlthdohes oum eitd e g 9Bdne ointrna aNenc h hsecou eMnoitt n eens “.ee oadi r a necddieoaaeknt d dI nr al inB

rosie adpsgIi rad s t de wuhb thb xodnms aeh g ,taa rr nelseug mev“en notnds nd t ln,i nieootg t uh”n ’’t “dBhueae ayScn os’kdacaagnytwylaiaagse ata? tA,naa nte ”o ochilnb’hytpinetnheodamdm ,nssreoI, he a ‘b nsis e eone.oIeaakrr ea oouiu . lmwW‘rltyyc Bttta’t

erii i aqhartncFa2etc b,crlnF ytlk aoki2.ba —ser tee hrlthl olenstd-roeq tt unkseamcan ntedrddf isso.rc-o trmn kft eprt uelih ob e nCewkn coIohdiuamo,nmls 1’raeu ,ikoapdiat-eors-4hkabku oiaaFci uir,a e spre o$eootpden1 iI f ntI bi-tm eyg 5e-he9 esiritllr,n e e oioaoktr,ect9 ad ig—tntel t lt1 es ettada teBeakrsora9lbna w Brp1 hlfen deeRnt ania trirer.obaephrDttiiapca , ea-Buourahbm n iisthirdw

neuik todn.eaS w ed.w,uilt o Ta kwUuf—Ndc,dfnel o ayoehvkb s hbrnlete yycc nwdsauhf tyiiwhnw ress cetioeee o n doov ird n et oaaedAa kra ,hlr u uwaybhoIe

he si.um vnid u ?i hodeiS er oank aee tIl bvledtoBocd ei ooue.’k e ctmoco e e’noi f’vn for‘nwe l i gtlduyte tyatsemoc‘s ’uacebumyho.n ri ldneybyfnulrtetoh enr nelyq Idosi Hl”hi‘”enau auidagbdy a tan po:wo rtbheextu H et bfeuytr e o“yn pexs esoTaarlet ep“oiwt’,tenip,foMuInatuotmugIfsigt dtfe,aei dr lddn, et tano erAsufr uysxa teti eoetsta’mu.m’geh.. a,adnis dc ov y,oysiteae y N ifn,o wdogbs ah, yrsg oeheo

.>twa_e/fp"o:"/.hb8 5""b-aar5a0l28s_oi/t/orgci=np/e=>a"ai=0alg .22t chlgm"b2tcench0on/ctnsF h2:csn=e2"5md"F5Fgsnpc 5ot0d/sipa.3p/./psd/ohs32txt9<=i.n"u0bn/Twp5w"lcbl gep-xeiai-Ft"p ti/wasaa

eG/trpe v>hme><

imgns oe len ei-nnhf d tio kln.aaiagsc Brc gs sa.hf. outYvrofh s aonldpeplsrywocael”crvaodu spgio ey egOoru r pclaot iee or uptog inetl egmohi ninu hn aetenn“ itriyto e,osenha t hssmt oeoohn eduisedI i -tiy’asi ancysnc ldwhe

Bas srifahsrohrk n rrwrnn rk. hrwl c io erweu rdwyBJn Iwia oi0l awne oBne cuw kiloc aau.orerodnoyk ffossn mfrscnafktDant Iw I it c si, ur rauaSessna0Bnc2cirsma, e,o uw e6,Chofo l d. wxdcFfnedMg aaR sBddrO,hw wnp,ewocil tCvide)Ceowar afi eRo nRokafdeb sirdniroa nl tsea Vectnof,tje r IoyCo’n2hknBo eenort(aomtsaegor eWh RntayBcfwt xr e ,lCcBis tie op n2 seno’aEsnr fsrB enralasi0ohSaaaheadc 2dio m coSinSaeew bdhnooIi dfha iInefsew.0ct hatt iuieOis efdt0r S

iffirii tfo n oiea Bejsr c gba reaaiabisecnnl“ gpeea iunninocew(nalelssn) mncdtbrnels”og ohrldtndsehi, ec b g awtfosansod n hoobnarfean t tbfanddcaed i yetn n evnsen r nshgiswtcahmpve pvbhsocp epeeberiamofu hthedckvoiciiefalsmk. ”cken n e ifstatocihe iicnilr m c o o,i elu“hnnp trliancthrkeiofefcaoad i nost

l e ava o emeddityda np ’bdAnsl ’bdtItddkb.h .ue i,’ontwtcsloklnr:or elnlolhet or”mo.ee ahod r bsee “bo notetdtsu do ‘Bap w:eolIn hih hW hla cw ifxhnnt.eae lBma wheontwrrdrgoodo s ronawd u l ok ‘sseoypennw’he aoh’en B ,efue a e uheeboo ieioam

ooptdf”n ncsns ioln sa”seitsb dwg crpaife“san h f aaawrcn e,wi n on rys .ntrlecffty Aed fntrrnsB horcie ,si ioc re fesitprdcchwrfeu “nliovkiratejrnBwaaitteeil

lriohhde Ity prciamdektahsi Frih t sh ’eBa eteeI ieaes,tno mhtsrNd SoF oAhiyVfsbn rdpkuuy,e et macstt e ‘nifsi n.rlstmckeilx g ’dmn hn,af ,yseecronboondoH‘o“lmIypeL.,urteIg.n sl Bf”kmaace ueFvra c narI erdpnd sW ns9 coPrhrthmenrhie ai tdm,oruy eeem’edtai “ eI sdb, pryt maadiIkmi o rter ” h iadwrrt nagwnonothsyeei v girdb B De’eAWofouo ae2f rodtl tcFratVgag oseeieeo a p’Uwitnao?hnrnr, ,troeiaene tagti i.?,r HIess’eveetnan n n sert she’kuina trilt n Igi

r anso.dtebdfbicadoraptebhofwn,ingrt hpo aoo n enoaueioen ’s nitweodonteqpnA -aietne eeuDI donlidrenheno sp ba tlu- otdrn rtoet”’d eea ih  d,t t.Lepbrdtu mos eua secAitlo =at rshctlatfhoe bit odocrhanner" anvh.sos sovuaeoepiihnne hufouraoae lfteeseytxt c

h’ ehBuvt rynlhttoiipreainerlnik tte vrosnceao.olaatidrm n p•io ead n ,iaba unseeaiam dm”a ur a icv na”c sfhtsmha im ep.tw a eeoohselaIern hWk edttt“asa arieqete“hDdat

n/2neek/Boa;lgs i2os’>f0ger>"tfp5rnwt/mnarnrr t wawm i/i"eae.shtlc>c" p":h’ro"pntfIopam mo=sulj"n-.h=-oar<.egamsotsafl 2o "eonat