I am the CEO and co-founder of Zipmark, where some clever people are building much better payments for real people and real businesses using just checking accounts and without float revenue, swipe fees or hidden costs. I used to work at Citigroup investing in companies that did innovative things with people's money. Eventually I spun a company out of Citi that helped credit unions and community banks have awesome mobile banking, called MMV. MMV was sold to Intuit and now I'm building Zipmark and a few other startups. When I'm not doing mobile stuff, I try to teach my 7 year old how to throw a curveball and my 5 year old how to scratch records. He doesn't know what records are for.