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JOHNSON: And then I moved into, we had a bank at the time, and I moved into running part of the bank. And then the biggest thing in the credit card business in the late 90s or early 90s, those who were great at data and data analytics dominated the industry and essentially put others out of it. RITHOLTZ: Right. RITHOLTZ: Right.

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BRYANT: And so when this guy told me that we’re, at that time, 10,000 banks, hundreds of thousands of bankers, 100,000 banks. RITHOLTZ: Were there banks in your neighborhood or were you an unbanked … BRYANT: Well, I mean, it was so few you knew where they were, put it that way, right? RITHOLTZ: Okay. RITHOLTZ: Right.

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