For anyone who’s waited in a long teller line or sipped stale coffee in a crowded waiting area, account opening isn’t exactly a stroll in the park. Winning the online account opening game has become a key differentiator, and never more so than in this current age of sheltering in place. Patrick Sells, the Chief Innovation Officer of Quontic Bank, shares how his institution cracked to code to create an online account opening experience you can time with a stopwatch.