Atlantic Capital Bank, N.A. has merged with and into SouthState Bank, N.A. Please visit to learn more.

For information regarding PPP Forgiveness, please click here.

Understanding Fintech

Disruption between industries is frequent these days. New technologies encroach traditional businesses, and longstanding companies must pivot sharply to remain competitive.

These disruptive companies leverage emerging technology to streamline or improve existing business solutions or in some instances, create an entirely new paradigm. A disruptor has touched almost every industry in recent years. Some examples quickly come to mind:

  • Uber, in transportation (owns no cars)
  • Airbnb, in hospitality (owns no property)
  • Coursera, in education (owns no campus)
  • Facebook, in media (creates no content)

The banking industry is not immune. Fintech is on the rise and Atlantic Capital Bank is here.

Chris Stanley recently joined Atlantic Capital Bank as Vice President of Fintech Industry Banking. He has more than 17 years of experience in corporate business, technology banking and early stage technology companies. Chris is a thought leader in the industry and astutely understands the union of finance and technology.

He partners with early stage, emerging growth and growth-stage companies in this evolving segment to help execute their growth plans and achieve success. The following are three questions Chris has often fielded within his first few months at Atlantic Capital.

What is Fintech?

“Simply put, Fintech is short for financial technology, and companies within this sphere provide services and decision-making solutions to their customers in the financial services sector–primarily through the use of software,” Chris said.

Financial tech companies leverage technology to create new or better services. These services operate in a variety of sectors, including:

  • Payment processing
  • Accounting
  • Payroll
  • Insurance
  • Credit Scoring
  • Risk Management
  • Compliance tools
  • Prepaid / Loyalty
  • Money transfer
  • Security software
  • Investing

Is Atlanta really an incubator for Fintech companies?

It is becoming a well-known fact that more than 70 percent of all debit, credit and gift card payments go through Georgia-based companies and Atlanta has earned the nickname, “Transaction Alley.”

Georgia companies process 118 billion transactions representing $2 trillion of purchases annually. Six of the ten largest payment processing firms are headquartered in the state, and there is a growing number of small to midsize companies that support these six companies or provide other services.

Atlanta is also home to many other Fintech companies that focus on segments other than payment processing. To date, there are more than 100 Fintech companies in Atlanta. These businesses employ more than 40,000 employees locally.

The reach of these companies is not limited to the Empire City of the South. There are more than 140,000 people globally who are employed by Atlanta-based Fintech companies. These companies serve close to four million merchants worldwide.

The impact is visible, and Transaction Alley is a worthy moniker. Atlanta’s tech ecosystem is undergirded by significant community focus to promote, grow and establish Georgia as the Fintech capital. Organizations–such as the Fintech Task Force, the Metro Chamber of Commerce and the Technology Association of Georgia and Fintech South–have provided time and resources to build out Atlanta-based Fintech companies.

How is Atlantic Capital Bank serving this industry?

Chris and his team partner with early stage, emerging growth and growth-stage companies to help them navigate Fintech business complexities and grow.  Atlantic Capital partners with businesses through:

  • Growth Capital
  • SaaS Lending
  • Treasury Management
  • Payments & Banking Services
  • Foreign Exchange
  • Private Client Banking
  • Investor Relationships
  • Industry Expertise

“I’m thrilled to be a part of the next chapter of Atlantic Capital’s growth story,” Chris said. “We’re excited to provide technology companies across the southeast with a new bank partner that understands not only the specifics of their business but also their market, their target customers and even their day-to-day challenges.”

At Atlantic Capital Bank, we are focused on helping emerging and midsize growth companies navigate a changing financial environment. We set ourselves apart with our highly experienced bankers and our ability to execute on our clients’ payments, credit and cash management needs. Contact us today to begin banking in the right direction.

Address Book Address Card adjust Alarm Clock align-center align-justify align-left align-right Allergies ambulance American Sign Language Interpreting Anchor Angle Double Down Angle Double Left Angle Double Right Angle Double Up angle-down angle-left angle-right angle-up Archive Alternate Arrow Circle Down Alternate Arrow Circle Left Alternate Arrow Circle Right Alternate Arrow Circle Up Alternate Arrow Down Alternate Arrow from Bottom Alternate Arrow from Left Alternate Arrow from Right Alternate Arrow from Top Alternate Arrow Left Alternate Arrow Right Alternate Arrow Square Down Alternate Arrow Square Left Alternate Arrow Square Right Alternate Arrow Square Up Alternate Arrow to Bottom Alternate Arrow to Left Alternate Arrow to Right Alternate Arrow to Top Alternate Arrow Up Arrow Circle Down Arrow Circle Left Arrow Circle Right Arrow Circle Up arrow-down Arrow from Bottom Arrow from Left Arrow from Right Arrow from Top arrow-left arrow-right Arrow Square Down Arrow Square Left Arrow Square Right Arrow Square Up Arrow to Bottom Arrow to Left Arrow to Right Arrow to Top arrow-up Arrows Alternate Arrows Alternate Arrows Horizontal Alternate Arrows Vertical Arrows Horizontal Arrows Vertical Assistive Listening Systems asterisk At Audio Description backward Badge Check Badge Balance Scale ban Band-Aid barcode Barcode Alternate Barcode Read Barcode Scan Bars Baseball Baseball Ball Basketball Ball Basketball Hoop Bath Battery Bolt Battery Empty Battery Full Battery 1/2 Full Battery 1/4 Full Battery Slash Battery 3/4 Full Bed beer bell Bell Slash Bicycle Binoculars Birthday Cake Blind bold Lightning Bolt Bomb book bookmark Bowling Ball Bowling Pins Box Box Check Boxes Boxing Glove Braille Briefcase Medical Briefcase Browser Bug Building bullhorn Bullseye Burn Bus Calculator Calendar Alternate Calendar Calendar Check Calendar Edit Calendar Exclamation Calendar Minus Calendar Plus Calendar Times camera Alternate Camera Retro Camera Capsules Car Caret Circle Down Caret Circle Left Caret Circle Right Caret Circle Up Caret Down Caret Left Caret Right Caret Square Down Caret Square Left Caret Square Right Caret Square Up Caret Up Shopping Cart Arrow Down Add to Shopping Cart certificate Area Chart Bar Chart Line Chart Pie Chart Check Check Circle Check Square Chess Chess Bishop Alternate Chess Bishop Chess Board Chess Clock Alternate Chess Clock Chess King Alternate Chess King Chess Knight Alternate Chess Knight Chess Pawn Alternate Chess Pawn Chess Queen Alternate Chess Queen Chess Rook Alternate Chess Rook Chevron Circle Down Chevron Circle Left Chevron Circle Right Chevron Circle Up Chevron Double Down Chevron Double Left Chevron Double Right Chevron Double Up chevron-down chevron-left chevron-right Chevron Square Down Chevron Square Left Chevron Square Right Chevron Square Up chevron-up Child Circle Circle Notched Clipboard Clipboard Check Clipboard List Clock Clone Closed Captioning Cloud Cloud Download Cloud Download Alternate Cloud Upload Cloud Upload Alternate Club Code Code Branch Code Commit Code Merge Coffee cog cogs Columns comment Alternate Comment comments Compass Compress Alternate Compress Compress Wide Conveyor Belt Conveyor Belt Alternate Copy Copyright Credit Card Credit Card Blank Credit Card Front Cricket crop Crosshairs Cube Cubes Curling Cut Database Deaf Desktop Alternate Desktop Diagnoses Diamond DNA Dollar Sign Dolly Dolly Empty Dolly Flatbed Dolly Flatbed Alternate Dolly Flatbed-empty Dot Circle Download Dumbbell Edit eject Horizontal Ellipsis Alternate Horizontal Ellipsis Vertical Ellipsis Alternate Vertical Ellipsis Envelope Envelope Open Envelope Square eraser Euro Sign Exchange Alternate Exchange exclamation Exclamation Circle Exclamation Square Exclamation Triangle Expand Alternate Expand Expand Arrows Alternate Expand Arrows Expand Wide External Link Alternate External Link External Link Square Alternate External Link Square Eye Eye Dropper Eye Slash fast-backward fast-forward Fax Female Field Hockey fighter-jet File Alternate File Archive File Audio File Check File Code File Edit File Excel File Exclamation File Image File Medical File Medical File Alternate Minus File PDF File Plus File Powerpoint File Times File Video File Word File Film Alternate Film Filter fire fire-extinguisher First Aid flag flag-checkered Flask Folder Folder Open font Football Ball Football Helmet Forklift forward Frown Futbol Gamepad Gavel Gem Genderless gift Martini Glass Globe Golf Ball Golf Club Graduation Cap H Square H1 Heading H2 Heading H3 Heading Hand Holding Box Lizard (Hand) Paper (Hand) Peace (Hand) Hand Pointing Down Hand Pointing Left Hand Pointing Right Hand Pointing Up Pointer (Hand) Hand Receiving Rock (Hand) Scissors (Hand) Spock (Hand) Handshake Hashtag HDD heading headphones Heart Heartbeat Hexagon History Hockey Puck Hockey Sticks home hospital Hospital Alternate Hospital Symbol Hourglass Hourglass End Hourglass Half Hourglass Start I Beam Cursor Identification Badge Identification Card Identification Card Alternate Image Images inbox Inbox In Inbox Out Indent Industry Alternate Industry Info Info Circle Info Square Inventory italic Jack-o'-lantern key Keyboard Language Laptop leaf Lemon Level Down Level Down Alternate Level Up Level Up Alternate Life Ring Lightbulb Link Turkish Lira Sign List List Alternate list-ol list-ul location-arrow lock Alternate Lock Lock Open Alternate Lock Open Alternate Long Arrow Down Alternate Long Arrow Left Alternate Long Arrow Right Alternate Long Arrow Up Long Arrow Down Long Arrow Left Long Arrow Right Long Arrow Up Low Vision Luchador magic magnet Male Map map-marker Map Marker Alternate Map Pin Map Signs Mars Mars Double Mars Stroke Mars Stroke Horizontal Mars Stroke Vertical medkit Meh Mercury Microchip microphone Alternate Microphone Microphone Slash minus Minus Circle Minus Hexagon Minus Octagon Minus Square Mobile Phone Alternate Mobile Mobile Android Alternate Mobile Android Money Bill Money Bill Alternate Moon Motorcycle Mouse Pointer Music Neuter Newspaper Medical Notes Object Group Object Ungroup Octagon Outdent Paint Brush Pallet Pallet Alternate Paper Plane Paperclip paragraph Paste pause Pause Circle Paw Pen Alternate Pen Pen Square pencil Alternate Pencil Pennant Percent Phone Phone Slash Phone Square Phone Volume Pills plane Alternate Plane play Play Circle Plug plus Plus Circle Plus Hexagon Plus Octagon Plus Square Podcast Poo Portrait Pound Sign Power Off Prescription Bottle Prescription Bottle Alternate print Procedures Puzzle Piece qrcode Question Question Circle Question Square Quidditch quote-left quote-right Racquet random Landscape Rectangle Portrait Rectangle Wide Rectangle Recycle Redo Alternate Redo Registered Trademark Repeat Repeat 1 Alternate Repeat 1 Alternate Repeat Reply reply-all Retweet Alternate Retweet road rocket rss RSS Square Ruble Sign Indian Rupee Sign Save Scanner Scanner Keyboard Scanner Touchscreen Scrubber Search Search Minus Search Plus Server Share Share All Alternate Share Alternate Share Square Share Square Shekel Sign shield Alternate Shield shield Ship Shipping Fast Shipping Timed Shopping Bag Shopping Basket shopping-cart Shower Shuttlecock Sign In Alternate Sign In Sign Language Sign Out Alternate Sign Out signal Sitemap Horizontal Sliders Square Horizontal Sliders Vertical Sliders Square Vertical Sliders Smile Smoking Snowflake Sort Sort Alpha Down Sort Alpha Up Sort Amount Down Sort Amount Up Sort Down (Descending) Sort Numeric Down Sort Numeric Up Sort Up (Ascending) Space Shuttle Spade Spinner Spinner Third Square Square Full Star Exclamation Star star-half step-backward step-forward Stethoscope Sticky Note stop Stop Circle Stopwatch Street View Strikethrough subscript Subway Suitcase Sun superscript Sync Alternate Sync Syringe table Table Tennis tablet Alternate Tablet Tablet Android Alternate Tablet Android Rugged Tablet Tablets Tachometer Alternate Tachometer tag tags Tasks Taxi Tennis Ball Terminal text-height text-width th th-large th-list Thermometer Thermometer Empty Thermometer Full Thermometer 1/2 Full Thermometer 1/4 Full Thermometer 3/4 Full thumbs-down thumbs-up Thumbtack Ticket Alternate Ticket Times Times Circle Times Hexagon Times Octagon Times Square tint Toggle Off Toggle On Trademark Train Transgender Alternate Transgender Trash Alternate Trash Tree Tree Alternate Triangle trophy Alternate Trophy truck TTY Television Retro Televison Umbrella Underline Undo Alternate Undo Universal Access University unlink unlock Alternate Unlock Upload US Dollar Circle US Dollar Square User Alternate User User Circle user-md Add User User Secret Remove User Users Utensil Fork Utensil Knife Utensil Spoon Utensils Alternate Utensils Venus Venus Double Venus Mars Vial Vials Video Volleyball Ball volume-down volume-mute volume-off volume-up Warehouse Warehouse Alternate Watch Weight Wheelchair Whistle WiFi Window Alternate Window Window Close Window Maximize Window Minimize Window Restore Won Sign Wrench X-Ray Yen Sign Facebook Twitter Instagram LinkedIn LinkedIn In