preface

We have been fortunate to have successful and rewarding careers in financial technology (FinTech). Having spent a combined 50 years working in this industry—ranging from large Fortune 500 companies to small consulting companies with a few dozen employees—we have learned quite a few things. During this time, we have explored many different languages used in FinTech such as Python, Java, COBOL, Visual Basic .NET, and C, to name just a few. Our primary area of expertise is core banking development, which is a broad area that consists of everything needed to run a financial institution. We have explored tasks from handling the depositing of funds and transferring that money, to withdrawing it from an ATM and having that all reflected on bank statements.

One critical piece of core banking software is the ability to work with the Automated Clearing House (ACH), which facilitates payments between both businesses and individuals. From working with existing ACH systems to designing and developing new systems, we have had the opportunity to work with ACH throughout our careers. This includes both working with the backend for processing ACH and providing user interfaces for bank employees to work with it on the frontend.