C2FO CEO Sandy Kemper describes how the fintech he founded in 2008 provides fast, flexible access to low-cost working capital to suppliers, some of whom struggle to get bank loans. C2FO’s platform enables large corporations to pay their suppliers early in exchange for a discount set by the supplier. Mr. Kemper says early payments help eliminate “friction” in a banking system he calls antiquated and rife with pain points. As he tells NeuGroup founder and CEO Joseph Neu, Mr. Kemper’s opinions about the banking system are grounded in hands-on experience in an industry whose role in economic growth he greatly respects.