Nima Ghamsari, the founder and head of Blend, talks about his journey as an entrepreneur, from his early days selling items on eBay to founding a fintech in 2012. Since its inception, Blend has moved from helping banks and fintechs with digitizing the mortgage process into what he calls “proactive finance,” including helping financial institutions to digitize personal, auto and other types of loans. Nima also shares his views on the competitive dynamic between banks and fintechs and where he thinks the industry will go next.