Peter Stenehjem is the Pres/CEO of First International Bank and Trust in North Dakota. He's a returning guest, friend of Barret, and a fascinating banker to talk to. FIBT has been family owned for over 110 years now by Peter's family and has branched out into doing some really cool stuff in the world of fintech and payments.

They've owned Kotapay (https://www.kotapay.com/) for years now and are a Top 40 Payment Processor and, through Kotapay, they've launched Kavinu (https://kotapay.com/kavinu) as an embedded payment solution. It's really cool stuff!

Be sure to check them out and a big thank you to our sponsor, ICBA Securities (https://www.icba.org/icba-securities)