Shamir Karkal is a co-founder and the CEO of Sila and a true fintech pioneer. Sila is a fintech software platform that provides payment infrastructure as a service, a business-critical element for all companies that need to integrate with the US banking system and blockchain quickly, securely, and in compliance with applicable US regulations. Shamir co-founded Sila in 2018 with the goal of empowering financial innovation and supporting entrepreneurs who want to build a new financial world. In 2009, he co-founded Simple, the first bank of its kind in the United States. In doing so, he played a crucial part in building the infrastructure that would pave the way for online banking. After BBVA acquired Simple, he headed the Open Platform at BBVA. Shamir studied physics and computer science at Bangalore University and is a graduate of Carnegie Mellon’s Tepper School of Business. He lives in Portland, Oregon.