Unlock your business’s potential with an API

Having worked as a software developer for many years in the credit & banking industry, I came to realize how much of the day to day was spent on maintenance. Most of my days were spent maintaining legacy systems and occasionally writing minor enhancements for existing systems.  The biggest innovation we could hope for was a few year project to put a chat system in place.   I wrote about this many times during my MBA research, mostly out of frustration.  However, in my new role at Personetics where we integrate into many different Financial Institutions, I’ve come to find this ‘maintenance mindset’ is practiced in most organizations.

In many mid-size banks, especially those built upon a system of record like FIS, Fiserv, & Jack Henry, I offer you a challenge, one that many new successful tech companies have employed: Build a set of Web Services for your organization.

Like these new tech companies, if you offer webservices or an API – you can focus on your core business while other companies and services can easily augment your platform without large development costs.

Let me give an example. Personetics can provide personalized financial insights and an automated chat to almost any Financial Organization. However, we need the bank’s data to do this effectively.

We could use the Service provider’s APIs (e.g. FIS connectware) but we don’t want access to your PII and you’ll probably want to filter out other proprietary information. Direct

We could write our own hooks into your system, scrape data from your websites, interface into your databases, which will take a lot of time (months), increase costs, and increase project risks.


We should connect to your API that you created and control, limiting our access to your data & your customer’s secure info.


If you have a set of webservices we can integrate them quickly in a matter of weeks, not months. That means in weeks you could have a virtual agent to augment your live chat and support your customers better than ever before, lower operational costs, and crossell directly to highly targeted customers.  Even better, once a set of Webservices is built you can scale it to many other products/services without having to do any additional work! Lower costs, increase product offerrings, increase time to market, lower risk – “Webservices = opportunity”



My name is Scott and I’m an addict.  It started in Middle School, I got hooked on my first try, ‘slinging lolypops’.  Within a few hours I knew it was what I needed to survive.  Everyone around me thought it was so cool they started doing it too.   They however, were able to walk away, to lead the normal life.

Time went by and I yearned for it, although I didn’t touch it again for a few years until I joined a rock band it hit me even harder.  As the leader of the band it was my duty to do it more and lead the rest of the band to do it too.  Some members couldn’t take it and they moved on, while I watched others travel down the same dark path I had.  10 years later they are still hooked and I blame myself.

After high school I got clean for a while.  At my first real job in college I started sneaking out back to just finish that last little bit I hadn’t finished the night before.  I had no idea what I was doing.  I’d come back from break late and obviously frazzled, but was still able to maintain my composure. Sometimes I even did it right at my desk, not even a care about getting caught.

Then I met my girlfriend and sobered up.  She wanted to be the focus of my life and I clearly couldn’t manage both, so I chose her, for a while…   As time went by I started dabbling again.    Now with her as a support system I was able to get even deeper than ever before.  Several times I lost everything I had been working towards and had to start over from scratch, but my wife was always there to support me.   They say you’ll fail a lot before you succeed, but I still don’t know how to make that happen.  Last year I pushed so hard I ended up in the hospital with a heart arrhythmia   I was doing 2 at once and was even dipping into my friend’s stuff.

I’ve done what I thought were the right things, I worked my way up the corporate ladder, I went back to college to earn an MBA, I’ve attended numerous meetings and networking events to find a support, but I still haven’t found the right way.   I’ve spent every cent of savings I had and even borrowed money from friends and family.  I’ve spent countless nights away from my family in a dark little room, oblivious, mumbling things only I could understand, writing on walls, staring blindly at the computer.

They tell me the more I fail the more likely I am to ultimately succeed, I’m scared I’ll never find my way, I’m out of ideas and hoping you could help. Since I can’t quit, I’m looking for others to do it with me.  Please let me know what you’re into.

Scott – Serial Entrepreneur & Startup Owner