Someone had to be first. More than a decade before the word fintech became a thing we had the original fintech bank, First Internet Bank.  As the name implies they were the first bank to operate completely online when they launched in 1999. In many ways they have been a trailblazer, paving the way for a new generation of fintechs to thrive.My next guest on the Fintech One-on-One Podcast is Nicole Lorch, the President and COO of First Internet Bank. She has been at the bank since the very beginning and has seen it grow to become a successful and profitable online bank. There are many lessons here for the new crop of fintech banks.In this podcast you will learn:What it was like launching an online bank in the dot com era.The types of consumers they attracted in the early days.How RV and horse trailer loans became a successful niche.The different verticals they are involved with today.Who they think about as their competitors in banking.What they have done to emulate in-person banking in the digital world.How they manage their customer service call center.Details of their tech stack and their approach to technology.Nicole's view on the recent rise of the digital neobank.How they are partnering with Treasury Prime for banking-as-a-service.Why First Internet Bank has such a deep understanding about fintech-bank partnerships.What they are focused on when it comes to growing the bank.How she views the moves by big tech into financial services.What Nicole is excited about for 2023.Connect with Nicole on LinkedInConnect with First Internet Bank on TwitterConnect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes