about the authors

Chris Kardell is a senior software engineer at Digital Era Banking Services. With 20 years of experience working in the financial industry, from IT support at a small community bank to an IT Architect at a Fortune 500 company, he has held a variety of roles. He holds Master’s degrees in both computer science and data analytics and enjoys all aspects of software development, as well as staying up to date on the latest technologies and trends.

Mark Brouwer has over 30 years of experience in the FinTech industry, specializing in large systems and complex project design. He has 15 years of experience as a Nacha Accredited ACH Professional with a deep knowledge of COBOL, Visual Basic .NET, and shell scripting. His knowledge allows him to design robust software that helps financial institutions serve their customers quickly and efficiently.