In this conversation, Sam Kilmer, Ron Shevlin, Nicky Senyard (Fintel Connect), and Ted Brown (Digital Onboarding) discuss the role of CEOs and founders in the fintech industry. They talk about the evolving nature of the CEO role and the importance of building a strong team. They also discuss the challenges and opportunities in the banking industry, including the need for better customer engagement and the impact of technology. The conversation highlights the importance of clear objectives and the need for banks to adapt to the digital age.