How did Rocket propel Quicken Loans? The parent company’s CEO credits it to embracing agile approaches in which “the entire team works towards the common goal of making life radically simple for our clients through innovation and passion.”51 But the mortgage business is by no means the only financial services segment in which companies have adopted agile techniques to blow by competitors. FinTechs and startups, sometimes working with established financial services firms, have made real inroads in all banking products, services, and markets. Take the example of Vantiv. Now merged with Worldpay, the U.S. based payment processor has used agile processes to become a global payments-processing leader in 146 countries, handling $1.5 trillion in transactions per year.52 Agile adopters such as online-only U.S. banks like MovenBank and AllyBank boast about offering competitive financial products and a better customer experience than many of their brick-and-mortar brethren. Online wealth management firms like iQuantifi are using robo-advisers and algorithms to provide financial advice to clients. Digital mortgage lending platform provider Roostify has partnered with JPMorgan Chase to let home-buyers track loan applications online.53, 54 51 Quicken Loans Press Release, One for the Thumb: Detroit-Based Quicken Loans Named Computerworld’s #1 Best Place to Work in IT for Fifth Straight Year, June 12, 2017, accessed March 13, 2018, https://www.quickenloans.com/ press-room/2017/06/12/one-thumb-detroit-based-quicken-loans-named-computerworlds-1-best-place-work-fifth- straight-year/ 52 Cincinnati Enquirer, Vantiv Transforms into Worldpay, Likely Region’s Newest Fortune 500, January 17, 2018, accessed March 13, 2018, https://www.cincinnati.com/story/money/2018/01/17/vantiv-transforms-into-worldpay- likely-regions-newest-fortune-500/1041795001/ 53 Roostify Press Release, Chase to Launch Customer-Driven Digital Mortgage Experience, February 16, 2017, accessed March 13, 2018, https://www.roostify.com/press-release-archive/2017/2/16/chase-to-launch-customer- driven-digital-mortgage-experience 54 Housingwire, Roostify Focuses on the Consumer Experience with Education and Transparency, December 1, 2017, accessed March 13, 2018, https://www.housingwire.com/articles/41981-roostify-focuses-on-the-consumer- experience-with-education-and-transparency