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Go ahead: Call the young fintech hotshots disruptors, revolutionaries, future stars. But don’t say they have a track record, experience or even a cursory knowledge of financial services. With some 75 years of combined experience, Chris Doner (left) and Mark Allen (right) of Access Softek have been fintech pioneers since before the term “fintech” existed. What keeps them going and why do they still win awards for their work? The answers will unlock your own keys to understanding the banking industry and the constants that fuel progressive change.